Date Received: 2023-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Around XX/XX/23, I opened a Citi Accelerated Savings account and completed an ACH transfer from my XXXX checking account in the account of {$14000.00}. The funds were posted as a Withdraw from my XXXX account. Last week, I had an opportunity to obtain a higher return on investment on my money and attempted to transfer the funds back to my XXXX account, the Citi portal indicated that the transfer is blocked for a MFA review and to call XXXX. They mentioned the transaction is being reviewed and take 24 hours. I called XXXX on XX/XX/23 to check on the status as I still can't transfer the funds and they instructed me to call back on Monday XX/XX/23. As of XXXX XX/XX/23, not only are the funds not being able to be transferred but Citi has made my accounts inactive. THEY HAVE {$14000.00} on my hard-earned money and won't release it!!!! Please Help!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Lowering credit limit to balance of card, also withdrawing any cash advance limit. This giving Citi bank a chance of doubling the interest rate and possible over the limit fees once interest charges post to account monthly. Inability to pay off debt in a timely manner, and not accrue additional charges is abuse to the consumer!!!!! Restrictions and guidelines should be enforced to limit the abuse for consumers that use credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries that I did not authorize and dont have accounts to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I submitted a complaint via cfpb to Macy 's on XX/XX/XXXX - complaint number XXXX, requesting that my credit card account with associated online account be closed. Macy 's responded that I still had an outstanding balance ; however, failed to outline in their writing that I was not able to pay my bill without me receiving a replacement card, which I never received. A new account number was assigned without me ever seeing the full account number. To this date, I do not know the full account number. It was truly a credit debacle for which after months and with cfpb 's assistance, I was finally provided a way to pay my bill and the matter was deemed closed by Macy 's and cfpb. However, on XX/XX/XXXX, I received a letter from Macy 's XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, titled, " An Important Notice Regarding Your Account '' stating they are writing me " in reference to [ my ] Macy 's account, please refer to the enclosed privacy notice. '' There was no enclosed privacy notice. The letter further directed that I keep the letter for future reference. I am once again concerned that my record with Macy 's has not been properly closed. I should not be receiving any further correspondence or advertisement from Macy 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX or so, I Open the acount at Citibank. upon opening the account. I deposited a {$150.00} from my XXXX XXXX account into the city priority account. I had did as well as setup direct deposit with XXXX XXXX XXXX which i recieve my XXXX XXXX XXXX benefits from my work. I have never even used my debit card. The reason I opened an account with Citi was because I've had my identity stolen twice this year and they had sign on benefits. I had my XXXX check depositwd around XX/XX/XXXX and Immediately my Account was locked and they called it a fraud alert, i called numerous times and every time it was always redirected to the fraud department, not given much information but telling me i had to wait for this letter with the reference number. After waiting 11 whole days with 0 money. I got it. Thinking this would save all the problems it only got worse. They went into tell me now my account would be closed within 30-60 days and I MAY rwcieve my money back via Check in the mail. No one could help me. I've called multiole times, seems as i may get some help and they look me up ans then they say the same thing and habg up on me with no explanation. Ive tried every reference online. Sent emails. Left complaints to each agency and nothing. I did file a complaint with them directly and got this number XXXX. My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Idaho XXXX. My phone number is XXXX. I am a XXXX XXXX XXXX with no income placed home and unable to work due to multiple inquiries due to a domestic situation. I am faced with no money to pay my bills and even facing eviction. Looks as if Citi gets this momma money too. How can this be legal?? How can they do this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 834XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is the third time I am submitting a complaint. After this I will be looking into legal action for discrimination. My phone carrier is not supported by Citi bank and they are refusing to let me access my funds unless I change my phone carrier. This illegal discrimination against low income families and customers is unacceptable and I will be seeking compensation and relief for this constant harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a perfectly good line of credit with Citibank. I had been a customer for 20 years. Several years ago I started using their mobile app. All was fine until I entered a second bank XXXX XX/XX/XXXXXXXX XXXX ) that I was going to be making payments from. Unfortunately, I decided not to move forward with moving my account over to XX/XX/XXXXXXXX XXXX. However, twice recently, when I clicked on the " convenient '' pay my bill button, Citibank tried to take the money from the XX/XX/XXXX XXXX XXXX, despite that I had thought I reset XXXX as my primary bank. It was a simple technical error. I had plenty of money in XXXX to pay off the entire $ XXXX balance, which I did immediately that Sunday after learning of the action. I appealed, but they declined to re-open my card. Again, it was because I didn't understand sufficiently how to manage the app that this whole situation occurred. But frankly, I am technically saavy and thought I had indeed switch XXXX back to being my primary account. So it could have been a technical glitch on their end. They closed my card and I suspect it was something on their app that was at fault. They did so the week before XXXX and also as I was trying to purchase a house, which showed up as an adverse reaction and destroyed my credit score, which was over XXXX. Shame on them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to opt Out Per 15 USC 6802 Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you or your company in written, non-written, verbal, and non-verbal form. I am rescinding all authorizations per 15 USC 6802. This is effective immediately and indefinitely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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 have ordered XXXX XXXX XXXX from XXXX. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to XXXX. I mailed back the damaged package with tracking #. A day later XXXX XXXX was order was canceled by XXXX with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. The following week it was XXXXXXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. Until XX/XX/ I have discovered on the credit card investigation package of tracking # that was sent to my address. I immediately report to XXXX that I havent never received any notification or any type of communication. XXXX agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX I was told only sender can request credit and from receiver. XXXX refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company. I have paid my credit card, {$1100.00} with fee and interest due to the failure of XXXX not filing the missing package.
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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: A fraudulent charge for {$50.00} showed up on my card on XX/XX/. The credit card website would not allow me to report the charge as fraudulent, so I called them on XX/XX/XXXX to report it. I spoke to two different people and told them both that I did not make the charge. They reversed it " conditionally '' and coded it as goods not received. When the vendor provided them with information about the sale, the credit card company told me I was responsible for the charge and charged it back to my account. I sent them an email on XX/XX/XXXX telling them that I did not make this charge, and they responded that it would be closed by XX/XX/. I sent them another email on XX/XX/2023 and then called them on XX/XX/XXXX because there had been no updates. On XX/XX/, their fraud department told me they would close the account and issue a new card but it would take them one to two billing cycles to investigate the fraud and reverse the charge despite my reporting it over two months ago. I believe Citi bank has a pattern of denying fraud charges and intentionally making it more difficult to report, particularly with online retailers. This is based on my past experiences with this same credit card and my interactions with their customer service department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A