Date Received: 2023-12-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by a caller XXXX XXXX to send money as a scam and the person had my account details from my citi bank account... they have my address my social security and all my information .... I ask the bank to reverse the transaction I'm waiting for a response from citi bank. As I spoke to XXXX customer service and they told me that citi bank has the power to dispute and reverse the charges... please print and publish my story..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: on XX/XX/2023 I mailed citi bank a check to pay my credit card in full. the reason i mailed the check is that the line at there bank was to long for me to wait in and they do not have a night drop box. Please note my payment due date was the XXXX which was a sunday. One would think that Citi bank and all major credit card companies could automatically adjust there payment due dates on statements to the next business day when a due date falls on a Sunday or that they could check there post office box on the weekend. however doing so would cut down on there fee income. furthermore i suspect they will now try and charge me interest on the balance for paying on the first business day after the due date. I also suspect that there charging this {$41.00} fee is a violation on US postal regulations, note they mail me my statement VIA the USPS. You need to get this fixed as Citi bank and the rest of the XXXX banks are charging crazy fee 's that there systems could prevent by complying with USPS regulations which state they must us the post mark on the envelope.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: For reference : Ive never made a late payment. Always pay my balance in full. Have had this credit card for a year. Am on auto draft. I made a payment on XX/XX/XXXX for {$11000.00} which was taken out of my bank account immediately. I called Citibank in the 3rd and they said it needed 2 business days to clear ( after calling XXXXXXXX XXXX on a 3 way call and XXXX told Citibank that the funds were available but taken out by Citi on the XXXX ). I called Citi today, XX/XX/XXXX, and they said the funds are on a hold until XX/XX/XXXX. During this time I have a {$0.00} credit limit and all of my bills are tied to this credit card and being declined. I plan to cancel the card once I get am assured that I get my funds applied. The way I see it I am loaning this company almost $ XXXX for 13 days and not by choice. Citibank has also declined to increase my credit balance even though I have impeccable credit and payment history with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been a loyal card holder of Citi Bank Best Buy card since I got the card. I was paying my bills XXXX percent of the time. I was laid off in XXXX with money owed by the previous employer. Shortly unforeseen event where I has emergency medical expense that was needed to all be paid out of pocket. I contacted Citi bank to inform them the situation proactively and they basically told me no they dont care unless I start to miss payments. Once the unforeseen events started to effect me in addition to a passing in the family. I had no choice to start missing payments. They only email me on occasions and if they call never leave any message so unless I answer which only has been about XXXX occasions. I never know the called. My compliant is I can never get a hold of any one when their emails said to log in and chat with some one. I log in and try chatting in writing and never get a hold of any one. I just received another email few days ago telling me I need to pay before they send my account to collection. Again, waiting and waiting no one ever answers. I took screen shot of the chat for proof that I tried multiple time to informing them and no effort to work with me what so ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing to address a concerning issue related to my CITIBANK business checking account, which was opened on XX/XX/2023, and subsequently closed on XX/XX/2023. Despite my disappointment with the perceived unfair decision by the bank, I am reaching out to you in hope to get this resolved. To provide context, on XX/XX/XXXX, I have deposited an Official Bank Check ( XXXXXXXX XXXX check ) amounting to {$30000.00}, which was provided by family member ( aunt ), an account holder with XXXX XXXX. Initially, there was no issues accessing these funds. However, complications arose when the bank denied our withdrawal request and initiated an inquiry into the matter. Despite diligently furnishing all necessary documentation and engaging in extensive email correspondence, further requests were made to review my aunt 's statements. Subsequently, my aunt visited your XXXX branch ( XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ) in person, providing the required information. Regrettably, the bank 's back-office personnel concluded that the transaction constituted fraudulent activity. This led to the abrupt closure of our business account, along with the withholding of {$19000.00}. Despite our efforts, which included providing information from XXXX XXXX 's representatives and offering to involve the corporate side of XXXX to confirm the legitimacy of the funds, we find ourselves accused of depositing a fraudulent check. Having patiently waited for more than XXXX months in the hope of the bank returning our remaining funds, it has become evident that there is no intention to do so. This message serves as an attempt to resolve this matter externally, since internally they have not taken any actions to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I called a number I believed to be XXXX support, having received a notification that an unknown person had logged in with my XXXX id on another phone. I was connected to a man who identified himself as a fraud specialist who instructed me to download a screen sharing app. He directed me to settings and showed me numbers that he said were large amounts of money that hackers were spending via my phone. In the course of the next five or so hours he had me make XXXX and XXXX payments to friends who then sent the money back, make two transfers via Citibank 's XXXX component and finally to transfer {$12000.00} to the account of XXXX XXXX at XXXX XXXX XXXX, all in a supposed effort to thwart the hackers. He made every effort to keep me on the phone. At a certain point, around XXXX XXXX, I realized that he was an impersonator and hung up. I called the bank immediately and they stated that they would begin an investigation. The bank never contacted me while these expenditures and transfers were going on. I received no alerts from the bank. Their denial of refunds pursuant to fraud are based on the claim that the transactions could be considered normal banking activity. I have an overdraft protection ( Checking Plus ) for the amount of {$8000.00}. This was entirely depleted by the wire transfer, so that I now owe the bank {$8000.00}. I have never previously used XXXX, never wired large amounts of money anywhere, have always maintained a positive balance in the account and write checks to two or three entities a month at most, in which light I fail to see how the rash of transactions reflected in the attached documents constitute " normal banking activity. '' While I of course accept responsibility for my gullibility and foolishness, I also think Citibank bears responsibility for allowing so many substantial and highly unusual transactions to go forward unquestioned and that they failed to meet the standard of stewardship of my assets consistent with their charter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78705
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is about the Home Depot credit card by Citibank. I applied and was approved for this credit card by or around XX/XX/2023. I went for an initial online purchase of {$21.00}. That was the first ( and last ) time I used the card. I scheduled via XXXX the payment in full of first statement at least 5 business days in advance of due date. For some reason, Citibank claimed they received the payment one day after the due date, so the fees and interested kicked off. Even I provided to Citibank proof when payment was made, but in every call I had about, whoever was on the other line sounded much more as a debt collector rather than a customer service associate. Citibank continued adding {$50.00} plus every month they send the statement. At this point, my balance shown around {$250.00}. My credit score went from almost XXXX to below XXXX due to the continue unpaid balance report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXXXXXX XXXX I initiated a balance transfer for {$1700.00} through my Citi AA credit card. I asked to move the balance from my XXXX freedom flex card to my Citi AA card. After waiting 3 weeks I noticed we still had a balance of {$1700.00} on my XXXX credit card. But had an active balance of the same amount in my Citi AA account. I called XXXX and asked them why the fund had not been removed. They advised they never received the funds. After several phone calls with both XXXX and Citi management, Citi advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to XXXX. Citi provided me with a trace ID to give to XXXX XXXX I then returned a phone call to XXXX and they told me they 1. Can not track credit card transfers with a trace ID and 2. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted Citi and asked that since they recalled the funds they credit my account and cancel the balance transfer. I received a temporary credit to my Citi credit card during the investigation process but was returned that credit on XX/XX/XXXX. I sat on the phone for 2 hours with Citi bank XX/XX/XXXX and was told the funds were sent to XXXX and until they can recall those funds I will owe them a balance. I have tried everything I can think of to get this issue resolved but to no avail. Both XXXX and Citi management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened an online account with Citi bank on XX/XX/25. Account approved, able to set up. I deposited funds, waited a week for a debit card, set up direct deposit and deposited additional funds. I called to request an update on debit card shipping status. I was then notified by the fraud department my account was placed under review XXXX status on XXXX. I have called customer service over XXXX times, spoke to the fraud department, spoke to XXXX different fraud specialists trying to resolve this issue and keep getting told 24-48 hours. They are holding all of my funds at the moment and will not provide any resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A