Debt collection -- Attempts to collect debt not owed -- Complaint #5519758
Complaint Overview
Complaint ID: 5519758
Company: Citibank, N.A.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New York
ZIP Code: 11238
Date Received: 2022-04-29T12:00:00-05:00
Date Sent to Company: 2022-04-29T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use XXXX and put my case number in the note on the XXXX payment. I was assured that I could pay the bill in person at a XXXX XXXX, but I had the option to pay through an app. I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my Citibank checking account and was paid recently. Called Citibank to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for XXXX XXXX billing. Citbank said they would investigate, but shouldn't XXXX be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. XXXX should be able to easily connect user activity to an individual and hold them accountable. It's not hard. The banks that own XXXX are abetting criminals.
Frequently Asked Questions
What is Complaint #5519758 about?
Complaint #5519758 was filed against Citibank, N.A. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-04-29T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.