Consumer Complaints: Citibank, National Association

No narrative provided by consumer.

Between XX/XX/XXXX and XXXX, XXXX, I made online donations to XXXX charitable organizations in the total amount of {$720.00}. When the Citibank credit card statement came, names and dollar amounts of these transaction were correct.

XX/XX/XXXX, getting ready for tax preparation. I looked at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX receipt for year, the XX/XX/XXXX gift was not included. I called XXXX. They had not received the money. I called all XXXX. All confirmed they did not receive the donations. I called the number on credit card. Was told to call and file claim. Which I did.

XX/XX/XXXX. I received letter asking for a list of merchants names, dates, and dollar amounts which I sent XX/XX/XXXX. I received a letter saying too much time has passed since billing date.., and I need to contact merchants directly. Which I did. This is the second time merchants confirmed the donations.

XX/XX/XXXX. Citibank sent a letter for each merchant saying they needed a valid credit slip. There are none. I gave on line where you dont necessarily get one and merchants never received the money so they didnt issue receipts.

XX/XX/XXXX. Citibank sent blank forms on each merchant asking for information about my contacts with merchants. I completed forms and mailed them overnight to bank.

This has been going on for five months now. Ive done everything Citibank employees have asked of me. The fact remains : Citibank misappropriated my money. They also did not disburse funds as directed. This is a bank error.

Hello I recently opened an account with Citibank and just got paid into it, after i got paid they closed my account and told me I can not access it without a debit card which I ordered and never got it and I asked to re order and they said I have to go to the branch, which I can go because I stay in XXXXXXXX XXXX not in XXXX XXXX and all the representatives I called all said they can not help me.

No narrative provided by consumer.

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

On XX/XX/XXXX, I made a payment of approximately {$12000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a bathroom renovation project, which included replacing tiles and removing and installing a new vanity. In addition to this payment, I had also purchased {$4000.00} worth of tiles separately for the project. The contractor requested the full payment upfront, which I provided. However, they failed to deliver the agreed-upon services and caused substantial damage to the bathroom wall during the process. This damage required me to hire another company to remediate it, incurring additional costs.

Despite multiple attempts to contact XXXX XXXX XXXX XXXX XXXX XXXX via phone and email to request a refund, they never responded. I provided all necessary evidence, including letters and proof of my attempts to resolve the issue directly with the XXXX, when disputing the charge with Citi Bank. Unfortunately, on XX/XX/XXXX, Citi Bank responded that they are denying my dispute, leaving me with both the financial loss of around {$12000.00} and the additional expenses of repairing the damage caused, plus the {$4000.00} I spent on tiles.

I am writing to dispute the reduction in my credit limit that was recently imposed by your company. The decision to decrease my credit limit is in violation of the protections provided under the 15 U.S. Code 1666d, which safeguards consumers against arbitrary credit limit reductions based on inaccurate information.

Upon reviewing my credit report and account history, I have identified inaccuracies that have led to the reduction in my credit limit. It appears that there are errors in the reporting of my payment history and outstanding balances, which have unfairly impacted my credit standing and access to credit.

As per the regulations outlined in the 15 U.S. Code 1666d, I urge you to conduct a thorough investigation into the information on my credit report and account history. It is imperative that these discrepancies are corrected to accurately reflect my financial standing and creditworthiness.

I request that you review my account and credit limit in accordance with the provisions of the 15 U.S. Code 1666d and take the necessary steps to restore my credit limit to its previous level. I have always maintained a good credit history and have abided by the terms of my credit agreement.

I appreciate your immediate attention to this matter and expect a prompt resolution. Please contact me if you require any additional information or documentation from me.

Thank you for your cooperation in rectifying this issue in compliance with the consumer protection laws under 15 U.S. Code 1666d.

Sincerely, XXXX XXXX

No narrative provided by consumer.

XXXX XXXX XXXX located in Virginia never sent purchase agreement for debt of any kind relating to debt .There 's been no communication between the company and I. Credit report states debt. NO arbitration was offered from company and there's a binding arbitration clause in the Credit card disclosure. I'm disputed through XXXX and XXXX with no resolution. There's been no validation of a legal verification that responsibility of the debt.

I opened my citi bank account on Tuesday XX/XX/year> online without any problem. I created the online username and password and everything worked as normal. I had deposited a {$37.00} check that I had and it cleared and everything. I did nothing wrong.. The following day Wednesday XX/XX/year> I enrolled in XXXX and and didnt have any problem with that as well my account was funded from the mobile check deposit and everything was fine. I would even log into the account to make sure everything was fine. I received a XXXX payment at around XXXX XXXX that same day for about {$460.00} now my account has {$490.00} but still no problems with closure or anything. So a couple hours passed and around XXXX XXXX the same day I checked my account because I was going to XXXX to my fiance because we needed to pay bills and I didnt have a card for the account yet to get the money off since its only been open for a day and a half. It when I login its asking for verification. Stating that a pin was changed or something on my online has changed which is a TOTAL LIE! How the heck could I have change a pin to a debit card that I NEVER received. And now I cant even login to my account because I dont have the card or card number thats needed to verify!!! I need my money its literally the end and beginning of a new month so bills are due! Thats almost {$500.00} thats stuck on my account!!! So I called and tried to figure out what was going on and they kept transferring me and giving me new numbers to call! I was told by the agent that my account was going to be closed! And that I have to wait until the account is closed and I have to wait until they mail a check! I CANT WAIT THAT LONG! I need my money right now! Its so weird that as soon as I get money in my account all of a sudden I need to verify. They are falsely closing my account! I did nothing wrong! I want my money! This is going to put me behind on rent! And other bills is causing a huge financial burden for me Im literally unable to eat or do anything without that money! I called today Thursday XX/XX/year> and was given tamer another number to call! I need my freaking money, I will never use that bank ever again after going through this!

I disputed a charge for XXXX XXXX XXXX XXXX XXXX which XXXX XXXX XXXX charged after I cancelled service and for a month in which I did not have service. Citi summarily denied my dispute request without contacting me for additional information and without providing me XXXX XXXX XXXX response, despite the letter posted to my account stating otherwise. Citi also did not notify me of this denial any way other than merely posting a notice in my online account.

No narrative provided by consumer.

No narrative provided by consumer.

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
CITICARDS CBNA XXXX

I'm getting about a half dozen phone calls and voicemails a day trying to collect debt owed on a " costco XXXX by citi '' card.

I don't have such a card. If I try to call back the number to tell them to stop contacting me, it goes to an automated system that asks me for card digits or social security number of the cardholder. I am not able to provide any of this information, as I am not a cardholder!

Make the calls stop.

No narrative provided by consumer.

XXXX XXXX provided a merchant offer with 8 % back for purchases made at XXXX. I enrolled the offer and made a purchase of {$760.00} on XX/XX/year>. However, I haven't received the cashback as stated in the offer, and surprisingly found out that Citi bank changed the offer to 1.5 % back. I reached out to the customer service and escalated to supervisor level to resolve the issue, both agents insisted the offer is 1.5 % back and refused to acknowledged it was 8 % when I enrolled the offer.

I had tried to buy a gift card on XX/XX/year> at XXXX XXXX in the amount of {$1500.00}. I was charged for this purchase by the merchant but had never received any funds to the card and the card was never activated. I haven't received any product from this merchant that I was supposed to get. After trying to have the merchant resolve this, on XX/XX/year> I disputed this with the credit card company about never receiving any product that I had paid for and didnt get. The credit card company claims the merchant responded and gave me the gift cards, except there is no funds added to the gift card and the merchant took my money without giving me what I had purchased. No product Received. I have also submitted a receipt that shows it was not approved yet I was charged for this anyways.

Peace and Love To All Who Read This!

XXXX XXXX Numbers ( XXXX, XXXX, XXXX, XXXX ) I am an investor and XXXX in this company. I am a living man of legal age and beneficiary of this account. I have given more than XXXX notices. Any and all forms of your power of attorney have been removed. This account is supposed to be in billing error status. Several negotiable instruments have also been sent in order to settle the account. Several notices have been sent to your office and indentured trustee at XXXX XXXX. You have received XXXX from myself and the IRS. Instead of honoring the billing error status and honoring the request that funds owed to the noteholder are returned, you instead took actions to close the account and suspend spending abilities. Thats considered adverse action and is unlawful.
Several registered securities ( negotiable instruments ) have been sent to the indenture trustee and your office. Those securities were kept and not returned. However, my account was not credited. Thats considered mail fraud, security fraud, theft, and unjust enrichment and shall be reported to the proper authorities if I do not receive remedy immediately.
XXXX XXXX XXXX XXXX XXXX Violations I know that you are trading my account via the security exchange through your XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX NEW YORK XXXX - XXXX XXXX XXXX. I know that you have securitized and transferred my contract and application to and through your XXXX and XXXX XXXX. I will hold everyone who has sold or received the notes/securities accountable.
Your XXXX and prospectus filed with the SEC states that youre supposed to cancel out all debt by XX/XX/XXXX for the prior year. XXXX supposed to credit my account for any balance in excess of {$1.00} according to 12 CFR 1026.11. XXXX supposed to transfer it to my bank account every month via the XXXX Funds Transfer Act. You're supposed to settle out my balance at the end of every month. That the statement that I receive monthly is for a dividend.
With that being said, no consideration was given to me and you just assumed that everything was a gift. I am the only XXXX not being paid in this transaction. Even after I brought it to your attention that I wanted my funds back and wanted to receive my payments as written in your documents, you continued to steal from me. Thats unjust enrichment, racketeering, and the fact that youre doing it to so many customers, its considered organized crime.
Being that theres no proof by way of the XXXX that the bank actually lent me any money and in fact I actually loaned them money by way of my Social Security XXXX. They then used my credentials to pull money from the treasury using their clearinghouse and those funds were then returned to an account they opened up in my name. The money was created out of thin air and there were no withdrawals from their account at any time. Furthermore, youre using my application and account to sell and make a profit. I gave you valuable consideration and you provided nothing in return. You also didnt buy the note from me, but strangely youre trying to take my money then make me pay you back on money that you stole from XXXX.
Ive read through your SEC filings as well as the laws pertaining to those filings. You will see the laws and excerpts from your filings down below for reference. It clearly states what youre supposed to do as your fiduciary duty.
XXXX Violations I have sent you several signed securities pursuant to XXXX XXXX XXXX in which you have not credited to my account nor returned the securities ( instruments ). According to the Federal Reserve Act Section 29, you are in violation and I am owed Civil Money Penalties. I have all the receipts from where I sent you securities via registered mail. My next step is to report those securities stolen to the XXXX, XXXX, XXXX XXXX, FTC, and the SEC.
XXXX XXXX I'm opting out of your reporting services until further notice. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer, XXXX have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. Effective Immediately.