CITIBANK, N.A.

2018-05-10

Naval Base Ventura County, CA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2018-05-10

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Citibank filed suit against me in XX/XX/XXXX/XX/XX/XXXX ( despite my previous offers to pay a portion thereof ). Case went to trial XX/XX/XXXX. Ended in Judgment granted against me XX/XX/XXXX. In XX/XX/XXXX, I received from Citibank a XX/XX/XXXXForm XXXX ( Cancellation of Debt ) as to the account number sued upon in the previously mentioned lawsuit and in the amount verified in said lawsuit. The XXXX XXXX Identifiable Event Code " G '' was given : " Decision or policy to discontinue collection. '' I filed my paper copy of my XX/XX/XXXX tax documents via regular mail sent from my home on XX/XX/XXXX. I paid my taxes due with a Direct Pay transaction on the IRS 's website, including taxes on " earned income '' represented by the XXXX Cancellation of Debt. Then on XX/XX/XXXX I missed a telephone call, ending in a voice mail message from " XXXX, '' asking me " again '' to call him at XXXX ( but which shows up on my prepaid phone as XXXX ). He didn't state what company he was calling on behalf of or what his call was about. I figured it was a personal telephone call, and he had dialed the wrong number. So I called him back to tell him he had the wrong number ( and he was wasting my prepaid minutes ), but a woman gave me my first and last name. After that I didn't understand 98 % of what she said as she had a thick accent. When she mentioned a dollar amount, I told her " Goodbye. '' Now I'm filing complaints with my state 's Secretary of State, the FTC, here at Consumer Finance, and with the SEC or anyone else I can file a complaint to. If this call was from Citibank, their right hand doesn't know what their left hand is doing. If this call was from a third-party vendor or even sold to another company, doesn't Citibank have a responsibility to share with them the filing of a XX/XX/XXXX Form XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

New Berlin, WI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-10

Rochdale, NY

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Wonder Lake, IL

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Complaint: Citibank is engaged in financial discrimination by blocking my access to credit. I have had three transactions recently rejected ( two from vendor XXXX XXXX and one from XXXX XXXX at {$35.00}, XXXX and XXXX, respectively ). Two were done on XXXX and one on XXXX and they were for collectibles such as foreign banknotes and coins. When I contacted Citibank twice on XX/XX/XXXX and XX/XX/XXXX I was told by both supervisors ( XXXX # XXXX XXXX and XXXX XXXX XXXX ) that the transactions were coded by merchants and XXXX as crypto-currency therefore they were blocked. Since I have never purchased or owned any crypto-currency I requested Citibank to provide the merchant/transaction code that would point to that characterization of the currency. The Citibank refused to provide it. One vendor made a statement to me that " I have never owned any crypto-currencies, but I did have another customer tell me the same thing. '' It is evident that Citibank is engaging in discriminatory practice and blocking my access to credit. Furthermore Citibank is preventing me from reaching a {$3000.00} spend which will qualify me for XXXX AA bonus miles withing 90 days of account opening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Boynton Beach, FL

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX CBNA XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CBNA XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-05-10

Arcata, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Chestnut Street, IL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Privacy issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Moreno Valley, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed CBNA Inquiry Date XX/XX/2018 2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Margate, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Margate, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Farmingtn Hls, MI

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Arlington, WA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Bronx, NY

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-05-09

Covington, KY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-09

Chula Vista, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I wrote you back on XX/XX/XXXX and asked you for help on a matter with CitiMortgage. Case XXXX. At that time you sent the complaint Over to Citi and they responded with a letter and about 60 pages of paperwork. After getting the papers and sitting down with a attorney i was advised to re file my complaint with you and forward it to the D.O.J And the U.S Department of Housing and Urban Development and the Attorney General Senior Counsel City of XXXX XXXX State of CA. The paperwork i Received from CitiMortgage was so Doctored up and so one sided in CitiMortgage favor. My Claim is CitiMortgage was a were of the acts of fraud on my Mortgage account. I also believe CitiMortgage did not do There Due Diligence on gathering the paperwork needed on the last complaint i filed, only receiving 60 pages plus when in fact there should be over one thousand documents if not more, And with those documents i can show, Fraudulent loan modifications papers while in CitiMortgage contral. I can show forged signatures on my loan documents. I can show a fake notarized loan modification document. And the list goes on and on. I can show that when CitiMortgage said they called me and they said i never answered there calls, ''WRONG '' I have over 200 phone records showing the dates and times of phone calls i made to CitiMortgage. I have over 500 faxis that was sent to CitiMortgage showing i sent Documents that they required over and over again.but CitiMortgage claims they never got them, I had phone calls emails and letters from CitiMortgage employees telling me When to File Bankruptcy and when to close it out because i had my loan modification approved. " " LIES '' '' I have loan Deferment letters from CitiMortgage that said i was approved to put the past due amount on the back of the loan. Then when i sent them back with a payment CitiMortgage sent them back to me with the pay off date changes. The most resent problem just took place a few weeks ago i was working with a CitiMortgage employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX From the Executive unit she informed me of all the wrongdoing on my account and told me the foreclosure will be on hold until we can resolve the fraud. Then a week latter i am sending her emails and they are being returned to me so i call to set up a phone appointment for her to call me back well she missed 3 of those call backs so i called again and i find out she is no longer working with CitiMortgage. Then a few days latter i find out the foreclosure is reset for XX/XX/XXXX Then i found out after making many calls i got a new worker to help me. So i sent this guy all the paperwork for a loan modification. he takes it and tells me he would put the forecloser sale on hold until after underwriting looks at everything. well one day latter he calls me and told me my loan mod was deniaed and the foreclosure is now set for XX/XX/XXXX he told me that i had 30 days to appeal it. As of today i still have not received any loan mod denial letter and any documents i have asked for to appeal so on XX/XX/XXXX i e mailed the new guy and asked for him give me 15 more days so i can get the loan mod denial and other paperwork needed. He told me underwriting said no. Now i have a foreclosure set for 7 days from now i still have not received one piece of paperwork from the new guy but here told me he request it and i should have it any day now. CitiMortgage needs to be held accountable for all the wrong doing on my account.. CitiMortgage needs to be held accountable for the forecloser misconduct on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Louisa, VA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: On XX/XX/XXXX I applied for and was approved for the Citi AAdvantage product. I applied based on email offer I received for XXXX bonus miles. On XX/XX/XXXX ( just 2 days later ) I received another personalized offer in my email for the same card but it was for XXXX bonus miles. I waited until i received my card and then called customer service on XX/XX/XXXX and asked to be enrolled in the XXXX bonus miles offer. The offer was valid thru XX/XX/11 and I had only missed it by 2 days so I was certain they would do the right thing and enroll me in the XXXX offer. But they did not. They said the offer i had accepted was what I was stuck with. So, i asked if i can close my account and apply for the new offer. They said I would be ineligible to apply for that card for the next 24 months. So, they think i'm valuable enough to offer me XXXX bonus miles, but once they found found out i had been suckered in for XXXX miles already, they don't want to honor the new offer. That is abusive. And why send me an offer i can't use? They APPROVED me on XX/XX/XXXX, in real time. They were in a rush to do that. But they are still sending me new solicitations 2 days later .... that i apparently can not use, because I was dumb enough to apply already. That seems unfair. I'm asking them to honor an offer they sent to me, personally. Not something i saw on a website, and ii 'm certainly not asking for goodwill. Just honor your offer. This is my first product with Citi ( and obviously my last ). What a stupid way to start a customer relationship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-05-09

Las Vegas, NV

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Moapa, NV

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: on XX/XX/XXXX my purse was stolen outside of XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Nevada a fraud charge was made on my citi bank credit card at XXXX XXXX store # XXXX XXXX XXXX NV for the amount of {$180.00}. I've called the citi bank fraud # XXXX multiple times to report the charge I've sent multiple letters and documents with no help from them now more then a month later. I paid off the account in full and tried again to report the charge and again no one can help me. I've verified all personal information with still no help from them. My other cards where also used at the same XXXX for much larger amounts but I had no issues with any of my other cards. I only have my old account to provide to you with citi bank and that's how I was able to pay off my account it's a citi XXXX card account # XXXX expires XX/XX/XXXX security code XXXX. Please help if you have anymore questions please call me at XXXX sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Burlingame, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: Re : Unauthorized Charge {$4100.00} on Citibank Creditcard No. XXXX I was bullied by Citibank into paying {$4100.00} to a contractor, XXXX XXXX, on the above credit card, without my authorization. Citibank is not a court of law and has no jurisdiction to order me to pay any money to any contractor unless it is done with my authorization. Citibank 's bullying behavior violates the Fair Credit Billing Act. I hired XXXX XXXX to replace some windows last XXXX. XXXX quoted {$5100.00} for the job. I accepted the quote and paid a {$1000.00} deposit to XXXX on XX/XX/XXXX by charging the above credit card issued by Citibank. When the job was finished, I discovered many defects in workmanship and material quality. I complained to XXXX and was in negotiation for a settlement. But XXXX stole the number of my credit card and walked away with the remaining {$4100.00} by charging the card on XX/XX/XXXX without my knowledge and authorization. I noticed this unauthorized charge onXX/XX/XXXX and immediately alerted Citibank to that effect. Citibank responded by reversing the transaction and credited the sum back to my account on XX/XX/XXXX. While I thought the billing error was corrected, Citibank, for no reason at all, charged my credit card account again for the unauthorized {$4100.00} charge nearly two months later on XX/XX/XXXX and forced me to pay the sum under the credit card agreement provisions, which I paid in full on XX/XX/XXXX. Since then I sent Citibank numerous certified letters and emails to dispute this billing error and request for a credit of the money, but to no avail. Citibank 's last excuse for denying my request : " timeframe in which to resolve a dispute has passed. '' What a bully! Eight Exhibits are attached to substantiate my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Oxford, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by CBNA bank of a fraudulent application submitted with his information without his consent XX/XX/XXXX with an inquiry reported to his XXXX credit report. An official dispute of this application was submitted to CBNA XX/XX/XXXX however as of this date CBNA has failed to send a reply to the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Wesley Chapel, FL

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: Sometime in early XX/XX/XXXX, I contacted XXXX XXXX regarding a APR reduction. After connecting with a phone representative, and being verified and confirming the account that I needed assistance with ( acct ending XXXX ). I went on to request a APR reduction ; however, the call disconnected. I can not say if it was on my end or if I was hung up on. I immediately called back, and indicated to the 2nd Sears representative that I had previously called regarding an interest reduction on my account, but that the call " dropped ''. I was verified, but apparently the account for which I was calling about was not accessed, ( I have XXXXwo accounts with Sears ). The representative continued the conversation and indicated that she/he was successful in processing the reduction and confirmed that the rate was reduced from 26.74 % to 16.74 %, I may be off on the point aspect. The representative indicated that I would see changes in the rate reflected on the next statement cycle. I thanked them and we ended the call. On reviewing my statement at the beginning of XX/XX/XXXX, I noticed that the rate had remained the same. I contacted Sears and spoke to a representative, who indicated that the rate change may take a while and may reflect on the next statement. I accepted the reasoning and kept an eye out for the XX/XX/XXXX statement. However, they were no changes. I called again, and this time was able to speak with XXXX a manager who I explained the issue to. He requested that I allow him sometime to review the issue, and provide me a call back, which I did. When XXXX connected with me later that day he indicated that an interest reduction was indeed completed ; however, it was completed on the Sears card on which I do not have a balance. He also indicated that a letter was mailed indicating that he reduction was completed. This was the first time in calling Sears from the beginning of XX/XX/XXXX, through XX/XX/XXXX, that I was told this. I again explained to XXXX about the first call dropping and the subsequent follow up call that took place and the account which was verified for maintenance, which was the account ending in XXXX, which is the only account that carries a balance. At this time XXXX indicated that there was nothing that he could do to further assist. But did offer to refund the interest that was charged for XX/XX/XXXX which was about {$110.00}. I requested that the issue be escalated as it was not my error that the Sears representative DID NOT verify the account for which I was calling, and did indicate to me that the interest reduction was completed. This is deceptive as I was led to believe that my account ending in XXXX, was the account to which the interest reduction was applied, as it is the only Sears account which carries a balance. I requested that the issue be escalated, and received a call from XXXX, who indicated that she represented the Executive Office for Sears and would be reviewing the issue. She also indicated that she had reviewed the calls and confirmed that the second representative DID NOT verify an account with me, but that the reduction was completed on my XXXX store card. She also indicated that my card ending in XXXX does not qualify for an interest reduction. It's funny that a card which carries a balance does not qualify but a card that does not have a balance qualifies. Another deceptive practice by this company. I request XXXX 's manager call me, to which she first indicated that she was the highest point of contact, after insisting that her manager call, she indicated that I would be receiving a call from her manager XXXX within 24 to 48 hours. The call was made to be but way outside that timeframe ... XXXX stuck to the SEARS storyline of the card ending XXXX not being eligible ; however, NO ONE is addressing the fact that on my initial call which was verified as for the card ending in XXXX, which unfortunately dropped and I called back, and indicated what had happened and which card should have been serviced seems to be falling on deaf ears. These " BIG '' companies are playing deceptive games with consumers who use their services. It is the representatives ' responsibilities to verify and confirm the account ( s ) that their customers are inquiring about. I feel very deceived and tricked into believing that I received service on a particular card, when SEARS serviced a totally different one. 1 ). Why would anyone request service on a card that there is not a balance on to affect there payments? 2 ). Sears representatives responsibilities to verify and confirm the account ( s ) that their customers are inquiring about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Virginia Bch, VA

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response