Date Received: 2024-01-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received my XXXX statement and paid it in full. When XXXX statement arrived it indicated that I owed {$2.00} in " fees '' This account has never been late. Bloomingdales states that this an interest charge. On the bill it's listed as a XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Citi Business AAdvantage Platinum card on XX/XX/2023 with the stated requirement of spending {$6000.00} for XXXX bonus miles. I met this spending requirement within 2 weeks and the bonus miles showed up on the first statement I received from Citibank. The miles from spend ( XXXX miles ) are now stuck in an XXXX XXXX account and I can't use them or transfer them ( even though the terms state that I should be able to transfer them if I have this card ). I also have not seen any of the bonus miles from the sign up bonus even thought I have met all the conditions of this spend. I have attempted to reach out to both XXXX XXXX and CitiBank and they each tell me to keep waiting and then blame each company. I have seen that this is an issue that many others are having and I would like to get this resolved as soon as possible so I can use these promised miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for a best buy CitiBank card around XX/XX/XXXX. The terms were not explained to me by the employee that had signed me up or an information packet and the employee unbeknownst to me at the time did not put in my address details completely correct. I was told my card would arrive in 7-10 days per an email directly from Citibank. I waited longer than this to contact them due to slow postal service times however I never received my card in the mail. I received a voicemail from Citi that my card had been returned because of an address issue ; when I contacted customer service I was told I would not be able to update my address to receive the card unless I was able to verify my account, however, to verify the account I would need the full account number, which I did not have since I did not have the physical card. I was told to wait a period of time ( a few hours ) and I would be called back, but never was. Next time I called I am unsure about ( a few times in XXXX ) but I was similarly told the same except I would receive a letter instead, but I would not get the letter since my address on the account was still not updated. After talking to another customer service agent, I was told my account would be placed on review/hold for XXXX days and to wait for notification from Citibank to be able to verify my account. I had never received text, email or voicemail regarding this after XXXX days. Last call XX/XX/XXXX I was told I would be contacted and would need to call back once that happened most likely within XXXX hours. This has still not happened. Similarly throughout this process, I am told I am unable to close the account according to customer service reps because I can not verify it. This means I can not even pay the account fee on the card itself, let alone use it. I also can not use the online portal due to not having the physical card ; I can not make an account without the full card number. I have been asked for exceedingly personal information about my account ( e.g my SSN ) so there is no reason I should need to further verify anything to simply change address or close the account outright that to this day has not been used and is unusable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XXXX I went to Citibank to open a business account under XXXX XXXX XXXX XXXX XXXX which wasn't a problem until I bought XXXX through the account which I didn't know was a breach on their system. Then I received a letter from their Fraud Department saying my account is being closed 30-60 days from the date of the letter. Well I contacted them and pleaded with them that I didn't know I wasn't supposed to do that and they didn't care and said I would get a check in the mail for the amount in the account but in the meantime I checked my account and one of my investors put {$6000.00} into an account that I was told was closed. Then I went to the branch office and spoke to the bank manager and he called the Fraud Department and pleaded with them to let him give me the check for the full amount and they said no, I will be getting a check with the full amount of the account. It's almost a month and I'm afraid that Citibank is holding my money hostage and is taking its sweet time sending me the check. I really need this money for my business and I hope you can solve this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: As of XX/XX/XXXX I had applied for the Goodyear credit card application from XXXX through citiBank my reference number : XXXX in financing my car repair total. In which I came to find I was surprisingly denied when proper exchange of my application/security was given to the creditor citiBank email received XX/XX/XXXX of XXXX. However, how is this so when proper exchange was given for the valuable consideration or the credit card I am rightfully owed for giving a security? ( my credit application in exchange was given. ) As stated from UCC 3-303. VALUE AND CONSIDERATION ( 1 ). The instrument is issued or transferred for a promise of performance, to the extent the promise has been performed ; In this case, CitiBank the creditor with the Goodyear credit card is to be GIVEN for this exchange as Valuable consideration a part of this Exchange per UCC 3-303. VALUE AND CONSIDERATION ( 1 ). Is dishonoredIn this i demand my credit card to be sent to me in complete acceptance as this exchange was done in COMPLETE good faith yet completely dishonored by CitiBank. through the giving of my application ( being a security ) in receiving the valuable consideration of my Goodyear credit card, exchanged on my end for my security ( credit application given in exchange ). With this I DEMAND the Goodyear credit card be accepted and given fairly. As the credit application is a contractual agreement between myself, the individual ( the applicant ) and a credit card issuer ( CitiBank ) with the valuable consideration properly given and upheld.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I purchased an electric hot water system from XXXX XXXX XXXX, using my Home Depot card. I paid for the whole project costing {$5.00}, XXXX as XXXX XXXX XXXX reported that Home Depot requires all the money before installation. The project was not completed until XX/XX/XXXX. This was a special purchased advertised as 12 months interest free. So I requested that the purchased date be changed to XX/XX/XXXX as this was the date I actually was able to use the system. This was requested of XXXX XXXX XXXX, Home Depot, and Citibank. XXXX XXXX XXXX had referred me to Home Depot and Home Depot told me to talk with Citi. On XX/XX/XXXX, Citibank said that they would extend the 12 months to 18 months. They sent me a letter to extend to the 18 months. On XX/XX/XXXX, I call Citibank to inquire about the interest free period. If I don't pay the full cost on the Credit card, I will have to pay interest for 18 month, not 12 months. Citibank wants me to call back Home Depot to change the installation date. I am going in circles and nothing is being resolved. I am merely requesting that Home Depot/Citbank honor its contract of 12 interest free if paid within that period to start the day the job was completed, and not having to be responsible for possibly another 6 months of interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citi decided to terminate my checking account in 2023. While doing so, they blocked my online access to my Citi credit card accounts as well. When I call them, Citi representatives helped me register new online access, but within minutes the new access got blocked by Citi. This already happened 3 times. Citi also cancelled paperless services for my credit card, without asking for my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear Sir, I hope this letter finds you well. My name is XXXX XXXX XXXX. I am writing to file a formal complaint against Citibank regarding their decision to deny my application for a replacement credit card. I believe that the denial was based on discriminatory factors, and I am seeking your assistance in addressing this matter. On XX/XX/2023, I contacted Citibank to report the loss of my Citibank credit card and to request a replacement card. A XXXX of days later, I inquired about the status of my replacement card application, and I was informed by XXXX XXXX XXXX XXXX that Citibank had decided not to issue me a new card. Instead, I was advised to reapply for a new XXXX card, which would require submitting updated financial information. The customer service representative mentioned that they would be sending me a letter formally notifying me of the card denial. I believe that the denial was unjust and discriminatory, as I have had a longstanding relationship with Citibank and have maintained a positive credit history with them. The decision to deny me a new card without reasonable cause and the request for updated financial information feel XXXX and XXXX. I XXXX reaching out to your office to request an investigation into this matter to determine whether Citibank has violated any consumer protection laws or engaged in discriminatory practices. I believe that every individual should be treated fairly and without discrimination when applying for credit. Please let me know if you require any additional information or documentation to proceed with this investigation. I appreciate your prompt attention to this matter and your dedication to protecting consumers ' rights. Thank you for your assistance, and I look forward to a resolution to this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Approx XX/XX/2023 applied for a Citibank Checking account in winch I had to go through rigorous identity verification to open, In which I successful completed, About 2 weeks from opening the account when several transfers we set from me and my partners old accounts, this new checking account with CITI WAS LOCKED AN UNABLE TO USE, ONCE AGAIN, I WENT THROUGH ANOTHER IDENTITY VERIFICATION from their fraud and loss prevention dept. I did ALL THAT THEY ASKED yet I still to this day have not been cleared nor heard from them. I keep calling them almost every day and they keep giving me the run around and they are holding up all my Money over {$2500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I sent in my payment on XXXX. It was due in XX/XX/XXXX. They posted it on XX/XX/XXXX then charged me 2 late fees ( 2different cards ) Looks like even though they got it way before it was due, they can do what ever they want and then bill me. Company is Citibank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A