Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am XXXX : XXXX, XXXX A citi bank customers, and I do have a direct deposit with them for past years, and on each times, I asked for credit, I always being turned down, my credit never enough for them. Eventually, last XX/XX/XXXX, I made a deposit, and the bank Soliciting us by offering my wife and I a secured credit card, but required a deposit of any amount, we deposited {$2000.00}, {$1000.00} XXXX per person, but there is a catch which we did not know nor being advised with such false advertisement, when ever, either one of us took three hundredth dollars from our account it is a loan to be repaid back with 5 % interest which {$15.00} which supposed to be gave away for free non refundable. If any purchase made have to be paid on time or interest rates will occurred, but it is not a real credit card its like a pre paid card to me, and being told it is going to be that way for six full month, thereafter a real credit card will be gave to customers, all was lies, we  have been though a lot and can not take such problem any more, my wife XXXX from the schema, I remaining with them, when I call for the real credit card, a letter were sent advising us, within one year and six months the card will be mail to get off secured card, that never took place. I got seek and tired being used, misused, and abuse by citibank secured card scams. 

After all these false promise citibank, citibank constantly, kept charging my {$25.00} per month if I do not paid on time, and locked my card any times, opposing me from travel, and that happened I am the one who pay consequences, and the bank card refusing to credit my account on timely, even their claims their do, my bill remain same like no credit ever applied, last time I redrawn {$300.00} from my deposit card, the bank actually recharge me {$15.00} for cash advance, but I do not have a real credit card when should I continue paying a bank for nothing, even I paid {$25.00} month was not over yet within couple days another {$25.00} demanding again, that is {$65.00} to gave away, and I am in debt without having a credit card from them, it is like I am paying a mafia to abuse me out of no where. within the same month XX/XX/XXXX before any demand made, I called the scam card company let them know, I am using my deposit I can not do such illegal business with them any more to closed the deal because it is not working for me, I borrow {$900.00} from my deposit, and I requested for any amount left over please mail it to me. Plus i have a refund expecting {$16.00} from a purchase returned. 

On about XX/XX/XXXX, I got a phone message from citi bank card scheme artist, being told to look on line for my account, or call them, I called them up, when the person answering she said, it is a collection for un paid debt that, I hold them {$1000.00}, but I do not have a credit card from citibank neither own them a dime, the bank fraudulently charging me for no reason, and I told them I will sue for {$20000.00} if my credit affected. 

because of citi bank illegal action my credit is messed up, no one want to gave me credit, and I want credit bureau to removed such illegal stains from my credit file. 

P.S. When collection fraudulently call me, their said it is a collection about my CLASIC VISA CARD FROM CITIBANK, I have never own, have, had any knowledge nor in my procession of such credit card. All are schema and messing up my credit file at all credits bureau. 

SECOND COMPLAINTS : Against XXXX XXXX XXXX, I do not own XXXX XXXX {$1900.00}, all are fraudulent charge claimed made by XXXX employees through a conspiracy theories, I have been offered a deal at XXXX XXXX to gave up my personal phone which was an XXXX. in returned to received ( BOGO ) when meant buy one phone, and get the second phone for free, just have to paid taxes on both phone even it is free, then I found out phone was improper, and was returning for another refurbish one, with a higher bill, I requested for bill to be reduce the company would not done so, company further requested that, I paid for a month of XXXX and i was not have any transition with them on XX/XX/XXXX, I make few payment on {$690.00} my out standing balance is {$520.00} XXXX because of the company misconduct I request to gain my phone back to removed from their deal company would not done so ; i therefore, move out and went to a new companies which not a crime, later XXXX wrote a letter to IRS and 3 credit bureaus, that I own them over {$1900.00} which is not true, i made several calls and went to the office spoke with them, and there were no records of all deal gave to me, but mentioned what was found a phone was trade in and the returned were not mentioned, and the cash that were gave, but receipt found etc. I made request for my credit file to be clear corporate office refused to un do the illegal act committed against me. 

THIRD COMPLAINTS : XXXX XXXX, I never done business with them never file any application, and I were not in New York, I filed a police report the company continue block my credit illegally without probable cause, I and I told them this month I will go to court and sue them for misusing my copyrights.

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