Date Received: 2023-12-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I'm trying to open up a new bank account and I can't it won't allow me to say something about identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43206
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I scheduled a payment of {$3100.00} for XX/XX/XXXX to pay my Citicard balance in full and received an automatic confirmation from Citi. On XX/XX/XXXX I received a notice from Citi that I had overpaid what I owed and that they were reducing the amount to be deducted from my checking account from {$3100.00} to {$1100.00}. On XX/XX/XXXX, my checking account showed XXXX withdrawals by Citi Bank for BOTH {$3100.00} AND {$1100.00}. I called Citi Bank and ( AFTER XXXX MINUTES WORKING MY WAY THROUGH THE CALL PROCESS ) I finally got a live representative. The representative tried to blame me for making XXXX payments. Then after reviewing the messages I got from Citi Bank, the rep finally acknowledged there was a problem on Citi Bank 's part. The representative had no explanation for what happened. Instead, processed a (? request, complaint? ) # XXXX. He said that once the complaint is processed, refund would take XXXX to XXXX business days. So I asked, " you mean XXXX or XXXX weeks or more? '' And he said yes. Citi Bank grabs {$1100.00} from my account that they are not entitled to, and which I did not authorize, and is going to wait weeks to refund my money. THIS WAS NOT MY FAULT AND CITI IS STILL HANGING ON TO MONEY THEY ARE NOT ENTITLED TO. THIS IS THEFT. Plain old theft. I WANT THE {$1100.00} REFUNDED IMMEDIATELY. I should not have to wait while they drag their feet figuring out what they did wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23185
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: 2023-12-04
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: XX/XX/2023 When i was booking a flight on XXXX XXXX a promotion posed up for an Advantage Citi Card. If approved I would receive uo to a {$200.00} Statement Credt, as well as, XXXX miles in addition I would be able to check a first bag at no additional fees on domestic flights. I opted to apply for this offer, was approved, and a temporary number, expiration date, and, Security Code came up On the screen to use when booking my flights. In addition, I had received an email informing me I was approved. I returned to the booking flight, filled out the information, and, when I got to payment, I went back to the page with the card details, which, unfortunately had timed out by then, and the information was no longer available. I loged back onto the account, but, it would only show my other Citi card account, not the new one. I contacted Citi Customer Service, and was told that the number I was initially provided did not exist, and they could not help me. I asked to speak with a supervisor, but, the call went silent, although, it did still appear to be connected. I made another call to Citi Customer Service, and this time, it seemed that they could see I had been approved for a new account. I was asked for a code word that I had just provided during the application, and answered it correctly. I was put on hold several times, and they did not seem to be able to assist me. Once again, I asked to speak with a Supervisor. The Representative seemed reluctant to transfer me to a supervisor as i had to ask 4 times before being transferred. At the time I was transferred, I was placed on hold for10-15 minutes before being able to speak to aSupervisor. Once I spoke with the Supervisor ( Someone who identified themselves as XXXX XXXX, she determined that there was nothing that could be done, until I received my card in XXXX days. She did offer a {$100.00} statement credit for my inconvenience. Mentioned that was less than the {$200.00} credit promised, and, there was no accommodation for the promised miles, nor, the miles for the pending purchase. I spent almost 2 hours in my attempt to have this issue resolved, and it seems to me as I should be able to receive the {$200.00} statement credit, along with the miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. 15 U.S. Code 1666b, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Information on my credit report that I didnt authorized that was opened on XXXX XXXX with ( XXXX ) XXXX XXXX {$5100.00} / ( XXXX ) XX/XX/2023 with XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Information on my credit report that I didnt authorized that was opened on XXXX XXXX with ( 1 ) CBNA balance {$5100.00} / ( 2 ) XX/XX/ with THD/CBNA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received a message on my phone from Citibank on XXXX XXXX stating I was in default on my Home Depot account. I immediately called the number in the message and paid the entire amount due. Then I went to look up the account at Home Depot and learned they had the incorrect address listed. I entered the correct address and tried to contact someone at Home Depot but could not. I then called Citibank to explain to them that I have not received any statements from my Home Depot account because they had the incorrect address and I wanted them to get my correct address on the file. I also said I made the payment immediately and I did not want my account to show a late payment. Citi told me they couldn't help me ; it was my problem. I pointed out that I had other Citi accounts and I had never made a late payment or missed payment and that they could not help me. I wished to get copies of the previous statements, but I was not able to do so. I have not been able to get ahold of Home Depot to help at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have Citi bank Advantage card and I would like to close. But bank already applied early fee {$99.00} and my. computer automatically paid it. I asked to cancel that card and credit that fee. I am good customer for many years with bank and have 2 more Citi cards. I did not paid last year for Advantage card and did not expect fee for that year. By talking to bank I did not get any help at all. I am retired and I can not allow myself pay additional fee with I can not pay for other cards. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Approximately on XX/XX/ I went to purchase some food using my citi bank card and it was declined. I immediately called citi bank to find out why it was declined and customer service was rude and hung up on me without any explanation. Then I called the fraud dept and they told me that my acct was being investigated ( for what I have no idea ) and they wouldn't tell me why, so I demanded to talk the supervisor and he proceeded to tell me that all investigations are handed by the 'backroom ' and that I would get a letter in the mail stating why my acct was closed and that it would take 60 to 90 days after the investigation for them to release my money. Keep in mind I never had overdrawn nor had a check bounce. I then called Citi bank main branch and asked if I can get my money. They told me if the fraud dept posted a note next to my acct they would let me withdraw my funds. So I called the dept and they wouldn't post it. I demanded to know why they did this and why wouldn't they work with me ( cause I haven't done anything wrong ) they hung up again. I called them again and told them that I can't go without any money for 60 to 90 days, that I have bills to pay, XXXX is around the corner, ect. It didn't seem to matter they just said I had to wait the 60 to 90 days. I don't understand why they closed my acct they won't tell me anything, I haven't gotten any letter from citi bank stating why it was closed. I can't access my acct with my mobile app. I have over XXXX in my acct and I can't even get gas in my car and I haven't done a XXXX thing wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To whom it may concern ; This is a complaint with Citibank for an account closure, a complaint was filed with Citibank under Reference Number : XXXX about my account ending in XXXX and the corresponding card number ending in XXXX. The account holder 's name is ( myself ) XXXX XXXX XXXX XXXX, and I am the only individual on the account. On XX/XX/XXXX, I opened a savings account and deposited funds shortly after. On XX/XX/XXXX, I was notified via a third party that there was an issue with my account. Timeline of events : XXXX XXXX, 2023 : Notification that my Citibank Account successfully opened. XXXX XXXX, 2023 : Transfer of {$100000.00} from XXXX XXXX XXXX account from family inheritance XXXX XXXX, 2023 : Transfer of {$250.00} completed from XXXXXXXX XXXX ( managed by XXXX XXXX XXXX XXXX via Trace ID XXXX XXXX XXXX, 2023 : Two ( 2 ) Cath Withdrawal Transactions at Citibank Authorized XXXX ATM located in XXXXXXXX XXXX XXXX MA XXXX Each for {$400.00} for a total of {$800.00} Cash Withdrawal. XXXX XXXX, 2023 : Authorized XXXX Access using transactional deposits. XXXX XXXX, 2023 : Authorized transfer of {$1500.00} to XXXX XXXX via XXXX XXXX XXXX XXXX, 2023 : Received an e-mail from XXXX indicating that the transaction was rejected by Citibank due to the Citi Savings Account being frozen. XXXX XXXX, 2023 : Called Customer Support at Citibank and was only then notified of the referral to close the Savings Account. Currently, I have no access to close to {$100000.00} ( approximately {$98000.00} according to my last account review ). Access to the account has bee revoked by the bank and they claim to be submitting a check via USPS within 30 to 60 days. I would like to indicate that I received no indication or notification from Citibank at any point that there was any risk to my account maintaining good standing. There are multiple means of communication available to the bank, and none were exercised. Were it not for the email from XXXX and my subsequent calls, there would be no means for me to know that my account was pending closure ; to date, I have not received any emails, text messages, calls, or letters in the mail indicating that this is the case. All of the transactions are valid, using Citi an authorized ATM ( found via their banking application ), and standard modern technology in the form of XXXX to transfer funds between individuals. Furthermore, XXXX, has added security when submitting funds that require the sender to verify the recipient by entering their phone number as well as their User ID. It is worth noting that the XXXX recipient is our wedding photographer, and the transaction was to purchase our wedding album using an account that my wife does not currently have access to so that I could surprise her with it as a gift for the holidays. None of the actions taken by the bank are deemed acceptable as to date and to reiterate, I have no knowledge as to why my account has been frozen and is pending closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A