Date Received: 2023-12-31
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/2023 I recieved a call from Citi XXXX XXXX regarding a car loan debt ( that's XXXX XXXX XXXX ) and stated that legal action was being filed unless I settled the debt. I spoke with XXXX who went over payment options. Stated that payment had to be made only through money order ( was a red flag now looking in hindsight ) and that if payment was not recieved over night legal action woudd take place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened an XXXX XXXX Citi Bank credit card to receive a bonus XXXX points offer, requiring me to spend {$2500.00} within the first three months of account opening to receive the promotion. My credit is excellent and I was approved instantaneously. Upon receiving my card I added it on XXXX XXXX. Shortly after I began receiving alerts that my account was considered to be under fraud. I received a phone call asking from a representative. I gave them my security word that I set on the website when I opened my account. They asked if I had another phone number they could text me on because they were unable to text my cell phone for some reason. I said no, that was my only number. They asked if I had another Citi credit card and I said no. They asked if I have a checking or savings account with Citi and I said no to that as well. I felt these questions were strange and didnt trust that I was actually getting a call from Citi XXXX I hung up. I called them the next day and got the same set of questions. I was informed they had to send me a letter that would arrive in XXXX business days with a reference code that I would have to give them to remove the fraud alert from my card. I asked if they could email it to me, they said no. They told me in the meantime I could use my physical card but not XXXX XXXX. A few days later, the physical card began declining every transaction as well. Extremely frustrating. I began to do research and found out this is a common occurrence for all sorts of people who do business with Citi. After a week I received the letter. I called with the reference number. They then asked if I had a phone number they could text a code to verify. I thought this was very strange because they had told me they needed to send the letter since they couldnt text me. I gave them my only phone number and then read the code to them that was texted. From here, the representative said they needed to verify transactions with me. They began asking me about charges from the last month that were on my account. I did not recognize a few of them. I had my Citi app open and was looking at all the transactions listed there, and verified the ones I could see. I was told my account would be shut down due to the transactions I didnt recognize and that it must be fraud. At this point, I am ashamed to say I lost my temper with the representative. I was irate because of this run around. Ive never had a company behave this way before. I asked to speak to a supervisor and after a brief hold I was on the phone with one. It was explained that Citi mobile does not show declined transactions in the app. I was being asked about several declined transactions when I had tried to use XXXX XXXX after they flagged my account. XXXX wallet was only showing the most recent XXXX transactions on the card that I could see. The supervisor removed the security locks on my account and said XXXX XXXX would be ready in about XXXX minutes. I have not tried to use the card again yet, but I am highly upset that I have now missed weeks of being able to use my card to meet the purchase requirement for the XXXX XXXX miles that were the only reason I opened the card in the first place. The representatives were highly professional and did their best to help, even when I was extremely rude to them on the phone when my frustration got the better of me. It is not their fault, this is a terrible system that Citi bank has put in place. I love having credit cards that can earn me points, but I will be closing this one as soon as I can use the promotional offer. XXXX XXXX is a XXXX times better than this awful, stressful company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I pay my bills on time never late. I dont always carry a balance so they terminated my card and hurt my credit by XXXX points
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 593XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My credit card was charged XXXX ( duplicate charge ) by XXXX XXXX hotel XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. I only stayed on XX/XX/XXXX. I first called on XXXX after the hotel did nothing to help. I have been calling Citibank every other week and they have not resolved my issue. I want the XXXX refunded to me. Citibank keeps telling me to wait.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a checking account in Citibank on XX/XX/XXXX, and deposited {$50000.00}, and maintained that balance for 90 days, as required by the promotion at the time, which claimed to XXXX a cash bonus of {$500.00} if the actions described above were done. On XXXX, XXXX I called to verify that the terms were fulfilled and that I could move the balance to another account and that I should receive the money soon. They confirmed both inquiries positively. As months passed without any deposit from them, I called again. I was told that it was a matter of time but that I in fact should receive the cash bonus. However, starting XXXX, the bank started to claim that they did not keep record of promotions older than 6 months and therefore required me to send the terms and conditions of the promotion in question to receive the money. This is a fraud. I kept thousands of dollars in an account that gave almost no interest to receive the benefit that they have not fulfilled. Their claim is also a lie since even I have access to tens and conditions of promotions older than what they claim : https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Dear Consumer Finanical Protection Bureau, I am writing to express my deep concern and frustration regarding the discriminatory treatment I have experienced with Citibank. I believe that my account has been unjustly blocked on multiple occasions due to the use of a different phone number to contact your bank. This has resulted in severe inconvenience and financial distress for me. I first encountered this issue when I called Citibank using a different phone number. The initial representative I spoke to was not only unhelpful but also rude, and shockingly, they proceeded to block my account. Subsequently, I found myself unable to make purchases, withdraw money, or access essential features of my account. This situation has not only impeded my ability to manage my finances effectively but has also left me unable to meet my daily monetary needs and pay bills promptly. Throughout this ordeal, I have diligently cooperated with your customer service representatives and even learned that my phone calls were being monitored by Citibank 's quality control. Despite my inquiries, I have received no satisfactory explanation for the repeated blocking of my account. As a valued customer, I am entitled to transparency and information about the actions taken against my account. I am deeply concerned that these incidents may be rooted in discrimination, as I am an XXXX XXXX customer who has been unjustly targeted. It is distressing to believe that such discriminatory practices are being exercised against me, preventing me from accessing and utilizing my own funds. I strongly urge Citibank to investigate this matter thoroughly and provide me with a detailed explanation for the account blocks. If these actions are confirmed to be discriminatory, I request an immediate resolution to rectify this situation and prevent any further discrimination against me as a customer. Failing a satisfactory resolution, I feel compelled to explore legal avenues to address this matter. Discrimination is not only morally reprehensible but also illegal, and I believe it is essential to hold institutions accountable for such actions. The repeated blocking of my account has placed an undue burden on my ability to access and utilize my own funds, leading to financial losses and significant inconvenience. In light of the circumstances, I am left with no choice but to initiate legal proceedings if a satisfactory resolution is not reached promptly. This potential lawsuit is intended to recover any financial losses incurred due to the account blocks imposed by Citibank due to threatening my account and blocking by discrimination. This has happened mutitple times. I appreciate your prompt attention to this matter and expect a timely response. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/23, XXXX XXXX fraudulently removed in excess of {$23000.00} from my Citibank checking account. I have made no payments to this merchant in over a year. These transactions were never authorized by me, nor was I notified of them or presented with a bill. Thankfully, my account had insufficient funds and the transactions were reversed. Citibank has refused to send screen shots of these transactions as my account has been frozen and access to it revoked. This is a serious matter as this fraudulent activity should never have occurred and Citi now refuses to cooperate to with my requests for documentation. Further, Citibank sent a wire in the amount of {$3000.00} that was never authorized by myself. I have been told I have to wait until this is investigated and in the meantime Citibank is not granting me access to view my account. To be clear, the account should be frozen while this fraud is investigated. However, I need the documentation to address why these transactions were processed in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit Inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I charged XXXX to my Citibank credit card on XX/XX/. I did not receive the service/product from XXXX. XXXX, issued 2 credits to be applied to my citibank credit card as a result. The first for {$240.00} appeared correctly on my citibank statement on XX/XX/. Citibank never processed the second credit of {$470.00} which you can see by the attached email from XXXX that XXXX acknowledges they sent the credit to Citibank on XX/XX/. I have formally disputed with Citibank that the credit never appeared. The first formal dispute was filed on XX/XX/ with this evidence. Citibank credited my account, then applied the charge back to my account for a net {$0.00} credit. I then disputed the lack of credit again via phone cases where I was promised the credit of {$470.00} would be applied on the following consecutive dates : Dispute # XXXX : XX/XX/ Dispute # 3 XXXX Dispute # 4 : XX/XX/ Dispute # 5 : XX/XX/ Through these various disputes and calls Citibank indicated they used a 3rd party dispute agency which indicated I did not provide enough evidence that the credit had been sent by XXXX despite the direct evidence ( email from XXXX ) from XXXX to the contrary. I reminded the Citibank agent that on the original dispute I provide an actual email from XXXX on XX/XX/ indicated they had sent the {$470.00} credit to Citibank on XXXX. See attached evidence. Therefore I am still owed a credit of {$470.00} that XXXX sent to Citibank yet Citibank will not apply my merchant 's credit to my account. Please advise,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This is a general public benefit complaint not just for me. Department Stores XXXX XXXX and Macys XXXX have a store credit card. Macys also has a loyalty program called XXXX XXXX. If you purchase any item they issue star points which can expire ( and they remind you to use it ). However if you return an item they do not refund the full amount back to you if you have used XXXX XXXX. They deduct something which is a loyalty reward ( that no one asked for in the first place ). This is misleading and disingenuous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A