Complaint Review: Citibank - CA
- Citibank CA United States
- Phone:
- Web: www.citi.com
- Category: bank
Citibank Citi Working Human Robots Refuse to Refund Me CA
*General Comment: Checks
*Consumer Comment: You Can Forget the BBB and All Their BS!
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I am writing today in the hopes of immediately resolving a dispute, which was filed on February 1, 2023 – nearly 6 months ago (or 21.5 weeks ago, or 151 days ago)! That is clearly and grossly beyond regulatory guidelines.
Below is a timeline of my interactions with Citibank and Bank of America. It should become clear quite quickly that no one is taking responsibility and I am being pushed aside.
As you will see, I have been told the same thing time after time; I’ve been told there’s nothing Citibank can do due to Federal regulations; I’ve been told ‘its pending’ numerous times, and I’ve been told I’d get an update. I’ve been beyond patient. But almost 6 months is long enough.
1/2/2023 – Paid bill for My Best Buy Visa Card in the amount of $7,097.58 (Citibank check). Sent via USPS to vendor.
1/18/2023 – Alerted that my payment to Best Buy has not been made. I file a dispute with Best Buy. I pay balance with my credit card to avoid late fees and bad credit ($7,097.58).
2/1/2023 – Spoke with Gabby at Citibank. I open a dispute with Citibank for forged endorsement .
2/8/2023 – Best Buy Investigation proves they never received/cashed my check. Their dispute is resolved and closed.
2/12-13/2023 – Receive Statement of Unauthorized Use for Claims of Forgery form from Citibank. Immediately sign and send it to the email provided (dbacasecreation@citi.com).
2/14/2023 – Send copy of resolution letter from Best Buy to email above, showing proof that Best Buy never deposited the check.
2/24/2023 – Fax over same documentation to Citibank (866-693-0144) as it appeared the email was not received.
2/24/2023 – Via website chat, spoke with Rachel. She states the dispute is still pending; Dispute date is 2/1/23 and can take 90 days. I asked her to expedite the dispute.
3/13/2023 – Spoke with Jovina. She states the dispute is still pending. For some reason, Bank of America (the depository bank) has not replied to them.
4/7/2023 – Spoke with Chelsey. Dispute is still pending. Bank of America is investigating because it was cashed through them (this is the first time I’m understanding why Bank of America is involved since I paid from a Citibank account, to Best Buy Citibank Visa.)
5/9/2023 – Spoke with Rochelle. Case is still pending. She states they are still waiting for Bank of America. She files a “follow up” which will expedite the dispute. I’m told to call back on the following Friday.
6/8/2023 – Spoke with Ken. Case is still pending.
6/26/2023- Spoke to manager Jeff. He states this has been 145 days since I first filed the dispute! He states the case is still pending and that they are federally regulated as to how to proceed – there is nothing they can do, and they are only allowed to contact Bank of America every 2 weeks! I ask for Bank of America’s dispute number so that I may follow up with them myself . Jeff also tells me I can check for any updates and/or messages in my secure folder, but have received nothing to date. He informs me the investigator is Karen W. but wouldn’t let me speak with her or divulge her contact information.
When I asked why Citibank won’t put the money into my account while they wait for Bank of America, Jeff explains that since it’s a check that isn’t policy (as opposed to a credit card dispute which would be deposited into my account immediately).
6/27/2023 – Contacted a banking professional on my recourse and plan of action. Advised that I report to OCC, CFPB and BBB.
6/27/2023 – Contact Bank of America and spoke with Bethany (manager). She was able to find my dispute but was unwilling to speak about the case unless I had a Citibank associate on the phone, as well. I create a 3-way call between myself, Bank of America and Citibank (Jason was the associate from Citibank).
It’s discovered that there was missing communication and lack of follow up from both banks to each other. Jason assures me that he or the investigator (Karen) will call me later that same day or the following day. Never received a call from anyone. Still no message in my secure folder.
7/12/2023 – Spoke to Mary at Citibank. She states the investigator had filed a follow up, but that was from June 8th, 2023. I asked her if anyone filed anything on my behalf since my last conversation on June 27th which is when I was supposed to receive a return call with an update. She was not able to answer that.
Mary states that Bank of America now must do their investigation which could take an additional 90-120 days!
As of this writing, I have not received any calls from Citibank nor any secure messages, and only 2 form letters from the initial filings.
I am currently losing money from this debacle and will continue to as long as this case is “pending”. I am having to move money around to accommodate for this extreme inconvenience and to avoid late fees/missing payments, etc.
This report was posted on Ripoff Report on 07/14/2023 11:27 AM and is a permanent record located here: https://www.ripoffreport.com/report/citibank/ca-citi-working-human-robots-1527561. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 General Comment
Checks
AUTHOR: Flint - (Afghanistan)
SUBMITTED: Saturday, July 15, 2023
Someone stole the check from your mailbox and cashed it, probably using someone else's BofA account with a fake ID. Very common scam.
There is also a very simple way to avoid it -- STOP USING PAPER CHECKS. We are in the 21st century and virtually every company supports electronic payments (ACH). They are much more secure and it is much harder to commit fraud. If you do have to use paper checks, bring the envelope to the post office or deposit it into a secure USPS mailbox in the first half of the day. Also get higher-security checks with the hologram stripe and a secure pen that can't be washed off (like the Uniball 207 check fraud pen). But really, that's not even likely to help because anyone who knows the numbers on the bottom of your checks can just print fake checks at home, and your bank will accept them. Checks are just not secure in this day and age. The US is the only country in the world that still uses them, for God knows what reason.
#1 Consumer Comment
You Can Forget the BBB and All Their BS!
AUTHOR: Irv - (United States)
SUBMITTED: Saturday, July 15, 2023
Understand this, (and anyone in business for at least 15 minutes knows these FACTS), the BBB and all their BS is NOT part of ANY government body or law enforcement body. Got that? The BBB and all their BS, is not...repeat NOT the "business police" and has absolutely ZERO POWER to enforce any laws or force any business to do anything! Got that? The ONLY purpose of the BBB-BS is to SELL their PHONEY ratings and SELL their PHONEY ACCREDITATIONS to ANY business which wants to buy them. The purchasing business then holds out THEIR PHONEY RATINGS in order to DECEIVE the public into thinking they are so, so honest and full of the utmost in integrity because the BBB-BS has DECEIVED the public into thinking the BBB-BS is part of the government. Got that? The BBB-BS will use your complaint to try to sell this business a PHONEY RATING as well as a PHONEY ACCREDITATION. Got that? In summation, the BBB with all their VERY WELL KNOWN BS is NOT your friend. You can FLUSH them right down the toilet along with the rest of your waste. I didn't do that much pondering about your problem here but if you have contacted the proper GOVERNMENT agency, you did the right thing. That agency should be able to provide either an explanation or intervene on your behalf. Just don't attach ANY significance to the BBB-BS. I can load your mail box completely with lists of especially car dealers, for example, who proudly boast their "A+ BBB-BS phoney rating while adding bogus, fake fees or pulling other sleazy car dealer con-games all without the BBB-BS saying one word.
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