Date Received: 2023-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I received a Court Summons that Citibank was suing me over an account that they claim I OPENED in XXXX of XXXX, and charged nearly {$5500.00}!! THIS IS A LIE!! Since the LATE SUMMER of XXXX, I have been battling with IDENTITY THIEVES, and Citibank CLOSED my account AND WROTE IT OFF AND CHARGED IT OFF OVER A YEAR AGO!! So, this account that they claim I opened in XXXX of XXXX, is A FRAUD!! I WON'T PAY IT!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On Thursday, XX/XX/XXXX, Citibank NA Best Buy made a hard inquiry on my credit. I called Friday, XX/XX/XXXX and informed them of this. They told me someone applied online and hence the hard inquiry. I told them this was not me. They told me it was declined due to misinformation. I asked them how the person applied and where. They told me it was online. I asked them to tell me what information was provided so I can see if I can figure out if I know who did this or if it was a stranger. They would not tell me. They confirmed with me that it was NOT me. They told me they would remove the hard inquiry and I was just alerted of a SECOND hard inquiry made today on XX/XX/XXXX after talking to them. I now have XXXX hard inquiries from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I charged {$4400.00} to my Citi credit card. I already had a {$1500.00} balance at 6.99 %, a {$370.00} balance at 5.99 %, and a {$2600.00} balance at 0.00 %. I accepted an offer to finance the {$4400.00} at an APR lower than the standard APR of 19.24 %, which I believe was 8.99 %. Later, I received an insurance reimbursement for {$4400.00} and wanted to pay off the latest offer. I called Citi, and I was told that they could not direct the payment, but the highest interest rate would be paid off first according to law. Since the balance of {$4400.00} had the highest interest rate at 8.99 %, I thought it would be paid off first. Instead, the payment XXXX out {$2600.00} balance transfer at 0 %, the {$370.00} balance at 5.99 %, and the {$1500.00} balance at 6.99 %, leaving behind a balance of {$4100.00} at 8.99 %. I believe Citi has broken the law by paying off the debts with the lowest interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a bill from Macy 's stating that I had a balance of {$6.00} due on XX/XX/2023 for an account ending in XXXX. I have not used my Macy 's card in years and had a XXXX balance on it. They have begun charging me minimum interest charges even though I have not been using the card and the balance has been paid off. The letter they sent me says there was a balance of {$4.00} that was subject to interest and that they added a {$2.00} " minimum interest charge '' for the balance, but I do not have a balance and I'm not paying a minimum interest charge on money I do not owe. I have attempted to rectify the matter with them on XXXX occasions, but their phone lines are all automated and I have waited between 22 and 47 minutes with no one responding to the calls. The annual interest rate for this card is reported at 31.99 %. The statement also says that the total fees charged in 2023 was {$2.00} and that the total interest charged in 2023 was {$0.00}, so I have no idea where the {$4.00} came from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A shell XXXX card was opened under my name and possibly my S.S. XXXX in XXXX. I never knew about this account until XX/XX/XXXX when XXXX XXXX XXXX contacted me in an attempt to collect an outstanding debt. I've tried to contact Citibank who is the guarantor of this card. I can not get through to any representative in order to get information to dispute this with Citibank, because I don't have the full account XXXX to the card. I never opened this account nor have I ever charged on this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My wallet was lost in XX/XX/XXXX. I was monitoring my credit cards but I continued to make payments to the card without any charges. For the last two months I have been requesting a new card ; however, I never received one. When I called today XX/XX/XXXX, I was told the account was closed. When I inquired why, I have been giving three different answers : first, they stated I closed the account ; incorrect ; second, the bank closed the account after a review, incorrect and third-the account was closed because I never received the requested cards. To reopen the account they have to run a new report which affects my credit. Which I told them Im current on the account and I never closed the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Received email from Citi informing me debit card had been removed from XXXX XXXX, requested I call if I had not initiated transaction. Called number on email, no information provided after several minutes, provided another number ( incorrect ). Reached out to their fraud department ( was transferred twice ), and after nearly 60 minutes on the phone no one could provide any details. Still dont know if my card was compromised and clearly neither do they. Potential fraud on my card, no answer and no information provided. Service below par is an understatement. Had to block my card as Im unsure of what is compromised at this point, generating multiple payment issues with automatic payment set-ups.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Citi high yield savings account online in XX/XX/XXXX. I made several online deposits since then. On or around XX/XX/XXXX I made an online deposit from my other bank in California for {$21000.00}. On XX/XX/XXXX I attempted to login from my computer and XXXX without success. I called customer service and they said my account was locked from their fraud department and should be resolved in XXXX hrs. I tried to get details but they didn't have any answers and told me to call back on Thursday XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I got an email from Citi saying my account will be closed within 60 days. I spent the next XXXX hours on the phone asking for supervisors and getting no where. I wanted to understand what was happening and why my account was closed with XXXX conversation from Citi. The various people I spoke to said they didn't have any information and XXXX rep asked if I made any transactions from CA. I explained that my other bank is based in CA and I made an electronic transfer request into my Citi savings account. The rep said I could get my money back in XXXX days, which is not acceptable. A Bank can not deny customers access to their money, which is what Citi is doing without any explanation. I have a considerable amount of money in Citi. I can not access online to verify and should not have to way while City holds my money XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
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: I have a Sears Citibank Mastercard with Citi Thankyou Points as a rewards program for using the credit card. I have been unable to access my rewards points since XXXX to use them towards purchases at retailers such as XXXX and XXXX. In addition to the loss of access at retailers, the Citi Thankyou site does not allow me to log in to at least purchase a gift card with my points to use at a retailer. I have called both Sears Citibank Mastercard and Citi Thankyou Points and each time I waste at least one hour on the phone, only to have them blame each other for the issue. I have been calling about this issue since XXXX, with each call ending in frustration. Sears Citibank Mastercard has emailed me with bonus point offers that I activated, encouraging me to use their card for online purchases, which I did. The rewards have totaled XXXX points which is equal to {$270.00} that I have accumulated from XXXX through XXXX. I was able to speak with a US based supervisor on XX/XX/23 about the issue and she actually told be this is a Citi issue! When I pointed out that the credit card is a Citibank Mastercard issued by the company she works for there was an uncomfortable silence on the phone. I asked the representative to make a three-way call with a Citi Thankyou supervisor to help me at least log into the rewards site and she said that she would not do that because it is not allowed. I then explained that it seems highly unusual that the issuing bank will not assist the customer in resolving an issue with a rewards program that they offer to use their card. The analogy that I used was same church, different pew in that everything is under the Citi umbrella. Again, silence on the phone. I ended the call by explaining to the customer service representative that it is a bad business practice at best, if not an outright deceptive practice, to offer an incentive to charge on their card, which makes them money and then prevent me from accessing my rewards which carries a cash value. The Sears Citibank Mastercard site contained the points balance and a link to go to the Citi Rewards site prior to issuing new cards in XXXX of this year. This link is now missing and Citi Thankyou does not recognize my login. There is obviously an issue with the Sears Citibank side and they are not helping to resolve it in any way. Citi Thankyou has tried updating my info and reregistering my account to no avail. Citi Thankyou is acknowledging there is an issue and they are indicating it is with Sears Citibank Mastercard. I find it hard to believe that it would take this long ( 2 - 3 months ) to resolve an IT issue nowadays. In addition, Sears Citibank Mastercard should be taking responsibility to correct the rewards program that they offer through their credit card. I am hoping that by filing this complaint the company will correct the issue and compensate the customers for missing out on maximizing their points during the holiday sales that have now passed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Please REOPEN the complaint from earlier this month XXXX. Several days ago, Citibank sent me an email response ( junk folder ) claiming that I earned XXXX bonus XXXX miles in XX/XX/2021 from a different account. They're claiming that miles are only awarded every 48 months- there was NO such warning on the application! I wouldn't have applied for the XXXX XXXX XXXX if such a requirement was shown on the application page. I'm considering pursuing some kind of class action lawsuit with other consumers because this is false advertising. Please help- your assistance and referrals are greatly appreciated. 2. Upon further review, I also realized that Citibank never awarded me the XXXX bonus miles for my existing XXXX XXXX XXXXXXXX credit card ending in XXXX. It was for a bonus for using the card monthly throughout the summer. Please help- your assistance in this matter is greatly appreciated. 3. I gave them my authorization to correct this matter regarding my CCs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A