Date Received: 2023-12-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened up this checking account on XX/XX/2023, for the bonus promotion. The promotion I enrolled in is attached and states that I needed to deposit money within 20 days of account opening and keep that money in the account for 61 days from the XXXX day. However, I received an email stating different terms of the bonus than I signed up for. I contacted Citibank about this and was told that I was enrolled in the promotion which is attached. I fulfilled the requirements of the bonus and I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: TIME WAS SEPND CALLING CITI, TYPING AND CREATING DISPUTES LETTERS AND LOOKING AT CREDIT REPORTS. TIME WAS SPENT GOING BACK AND FORTH TO THE POST OFFICE. TIME WAS SPENT FINDING ERRORS ON MY CREDIT REPORTS. TIME WAS SPENT CALLING CITI MULTI TIMES. TIME WAS SPENT FILLING OUT ENVELOPES. TIME WAS SPENT PRINTING AND SIGNING DISPUTES LETTERS. TIME WAS SPENT FILLING OUT XXXX XXXX XXXX FORMS. TIME WAS SPENT IN LINE AT THE XXXX XXXX. I AM NOT LIABLE FOR THIS DEBT WITH CITICARDS. I DO NOT HAVE A CONTRACT WITH THE CREDIT CARD AGENCY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93905
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased tickets from XXXX XXXX in XX/XX/XXXXXXXX for XXXX XXXX and selected the XXXX XXXX option using my Citibank XXXX XXXX. The full charge is on my account. I communicated with Citi 3 times. The first was through chat ( I have screenshots ) and they stated that there was nothing wrong with the charge and the associate asked if the issue was that I can't afford to make the {$1200.00} payment by XX/XX/XXXX. I asked for a supervisor and was told one was not in. The second was on XX/XX/XXXX XXXX with a supervisor who stated that there is a XXXX XXXX and the charge would be reversed, all that I would need to pay was the $ XXXX amount. I said great, I'll pay {$400.00} that day and I should be fine. A few days later, I noticed that the balance of $ XXXX was still showing due XX/XX/XXXX. I called and spoke to an associate a third time on XX/XX/XXXX XXXX ask why the charge was still showing when I selected the plan option when I purchased the tickets. The associate stated that the charge will be reversed and put back on the next month. I mentioned my last conversation with the supervisor and that I only owed the $ XXXX, and paid {$400.00}. She said that was correct. Now I am showing that I am over the credit limit because of this. If the plan option was not available, I would have used another card. I told her that these are unfair business practices. She said that I signed the agreement. I agreed to the plan when I bought the tickets, and she stated that I signed the agreement after the purchase, XX/XX/XXXX. She then mentioned that XXXX may not have transacted the purchase correctly and the option would be to cancel the plan. I told her that I selected the plan and the I was calling to reverse the charge because the XXXX XXXX was in place. This is why I am contacting you. I file with the FTC as wellXXXX because Citibank is conducting unfair business practices. I'm filing with you regarding the XXXX XXXX showing on the XXXX website per the agreement with Citi 's terms and conditions. If they were correct in either case, I would have made better choices. I checked my account XX/XX/XXXX and every month my minimum payment due increases and I don't actually know what I should be paying. Plus, Citi continues to send me, " would you refer someone to the Citi XXXX XXXX program '' surveys. Of course not, you don't know what you're going to end up with from plan to plan. I have two and they're both different.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Citi bank stated that I did check balance of {$4700.00} back in XX/XX/XXXX. I asked Citi for a photo copy of the balance transfer check and they have not provided me with a copy. I did a balance transfer to XXXX in the amount of {$830.00}. When I inquired more about the account, the account/credit card did NOT match my account number.. my account ended in XXXX. I was never sent a statement with amount that I owed {$4700.00} I only found out in XX/XX/XXXX when I notified internet charge that I didnt recognize and thats when I found out this XXXX XXXX check transfer with a account ending in XXXX. They could never produce this photocopy and its NOT my debit charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone opened an account with Wayfair in my name back in XXXX XXXX XXXX and charged {$2400.00} worth of merchandise on it and now Wayfair keeps sending me bills in the mail. XX/XX/XXXX I sent them the police report and the form letter from XXXX via certified mail and I have the receipt. This is now considered harassment and my next step is to contact a lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My Complaint is with Citibank XXXX XXXX XXXX my 2 accounts with Citibank were closed due to lack of documentation ID for my XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX I sent the required ID and was told the accounts would be opened. The funds in the account were frozen and according to the bank sent to my mailing address. I never received these checks. I asked the bank to put a stop payment on the checks and refund the funds. Today XX/XX/XXXX the bank has opened one account but has not refunded the money which my mother needs and the other account remains closed. I am speaking at the moment with Remediaton of Citibank and the tell me the accounts have all the information needed but dont know why the account has not been reoppened and the funds deposited. I feel helpless so I am asking you for help Thanks XXXX 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: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
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: ( Dates are best estimates as my account has been closed by the store by their choice ) I opened a Wayfair credit card in XXXX with Citi Bank. I received my credit card and proceed to make a large purchase of ~ {$2500.00}. Immediately after the online purchase I received communication my order had been canceled. I contacted the merchant and had to verify my identity and my credit card information. I was then notified they will redo the purchase on there end. They came back on the phone line, and told me they can not complete the order as it has been canceled and to complete it myself again I completed the same purchase yet again the total price this time was slightly more this time though. Immediately after checkout, I received communication my order was canceled. I contacted the merchant who made me verify my identity and my credit card information. They put me on hold. They came back again this time and told me they would not be processing my order and that I was not permitted to shop with them anymore and I needed to shop elsewhere. Still on my card statement to this date is a charge for each one of the attempted transactions for a random amount of money less then the total. Which happens to be the cost of the toilet for the first order and the price of the vanity for the 2nd order. I had filed multiple disputes using the online process with citi. After filing the report, I have never received any form of communication other then my dispute has been submitted. I continued disputing it up til the date that I received my statement for the 2 charges that should not exist even though the dispute confirmation letter stated the charges would be put on hold and not be due pending completion of an investigation. I then contacted citi using the messaging link in a text message I received stating my account was late. The customer service disregarded the information ( all of the above ) and told me they can not help me with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citibank locked my card again when adding my card to XXXX XXXX on a new XXXX XXXX received for XXXX. Their fraud protection unit wont speak to me about the card until they verify my account, but their verification process is very counterintuitive. They ask for seemingly random phone numbers to text and will not use the number associated with my account. They will not call me, they will not accept any of my personal information, they will not send me an email to the address that has been on file for XXXX years ; instead they are mailing me a letter via snail mail and my card is locked until I give them that code. I am halfway across the country depending on my Citibank credit card to travel and am now stranded. Meanwhile the 3 times I was the victim of actual fraud I was the one who caught it and notified them. This is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74008
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/XXXX Macys credit said that they will send me a letter in XXXX business days for my records the letter was to state that I have been removed from their company as an authorized user as per my request since XX/XX/XXXX they stated to me that I am no longer an authorized user since XX/XX/XXXX my mother is the account holder and she had to make several requests for them at that time to get me removed initially I was informed again in XX/XX/XXXX while I was working with a veterans mortgage servicing company that Macys was still appearing on my credit reports as an open account although they tell me on the phone that I am no longer an authorized user since XX/XX/XXXX I would like for them to report the correct information to the credit agencies they have been reporting false information for 12 months and me and my mother who is the account holder have called them over XXXX times now they keep saying that a letter will be sent to us stating that the problem is corrected and no letter ever appears they also state that the credit agencies have been informed to remove me as an authorized user since XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: after filing my initial claim Citi bank close day account within XXXX hours of you sending them my complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A