Date Received: 2024-03-01
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received an email from Citi Cards today that my thank you points were now linked to XXXX. I did not give permission to Citi to share my rewards details with XXXX at ALL. If I added my account to XXXX, that was MY choice and my choice to share that much info ONLY. Citi does not even give any option to easily disconnect my account details from XXXX. That is deceptive and infringes on my choices and privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX : Payment confirmation received by email XXXX : Notification received that payment was returned unpaid and a payment methot replacement was needed XXXX : Account was closed XXXX : Notification sent through a letter stating that account as closed because one or more late or returned payment occurred in he last six months. THIS IS NOT correct. This payment was returned because I was out of the country XXXX and XX/XX/XXXX and the bank suspected fraud, then I authorized the payment, but Citibank didn't wait a day and cancelled the account. I had only one other time that a payment replacement was needed that was in XX/XX/XXXX, more than 6 months ago. All my payments were always done at time, never late. I just these past weeks prior to have them closing the account, I sent 3 payments as below : XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} I had the right a significant cashback total of {$450.00} Costco credit card reward certificate that it was planned to be received in XXXX, however since Citiback closed the account, the certificate also is cancelled and not sent. This per my perspective looks not acting in good faith at all. Super convenient having the account being close few days before certificate is provided. I requested the account to be reopen and it was denied. Clarification not provided yet ( will be in a letter hat will be shipped 7-10 days ). I am summary, the reason stated for my account being closed do not proceed, also account was closed after no additional notification, I only received one email saying that a payment replacement was needed which I did, but 2 days after I was notified that account was closed, and at last all the money I spent that I would have the right of the cashback it was cancelled linked with the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I purchased sports memorabilia from an ad on XXXX. After filling out all information I was charged. After I was charged I received no email, text, or confirmation from the merchant. I never received the merchandise. I filed a dispute with the credit card company. They resolved the dispute without issuing a refund. It looks like the fraudulent merchant did ship something via USPS and provided tracking number to Citi but whatever it was they shipped either did not make it here or they shipped something other than what was ordered to make it look like they fulfilled the order. The merchant did not confirm what they shipped or any other information. How am I, as the consumer, supposed to do anything here when the merchant provided no information of any kind after charging me and is now covering their tracks with a fake order?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX Checking account created with {$25.00} opening deposit XX/XX/XXXX ACH Transferred IN {$800.00} XX/XX/XXXX ACH Transferred IN {$700.00} XX/XX/XXXX ACH Transferred XXXX {$20.00} XX/XX/XXXX Online access blocked, called customer service and was referred to Fraud Prevention Department . Representative from Fraud Prevention Department verified my identity and promised access would be restored in less than XXXX hours. XXXX Vacation XX/XX/XXXX Account still blocked. Called in and was told account referred for closure on XX/XX/XXXX, can not access remaining balance for up to 60 days after account is officially closed. Account was closed without warning and without a valid reason and that XXXX delay in access to my deposited funds is causing financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92868
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Date opened XXXX. Amount owed : {$1200.00}. Macy/Citi Bank N.A . Please Re-Investigate this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
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 filed a dispute starting on XX/XX/XXXX with Citi Costco VISA regarding a charge for {$79.00} for merchandise that I never received. I have repeatedly informed Citi Card that I never received any merchandise from this merchant & that I wanted to continue with the dispute. I answered all the questions asked by Citi Card & sent all the requested support documentation including the order confirmation email I received from the merchant with my correct information & address ; & emails that I sent to the merchant asking them about my order & informing them that I never received the merchandise. Citi Card notified me on XX/XX/XXXX that the merchant informed them that the merchandise was delivered and therefore, Citi Card closed their investigation and reversed the credit to my account. The documentation that Citi Card provided to me from the merchant showed a package was delivered to a totally different address in a totally different state ; and was signed for by a totally different person. On a side note, my sister placed the same order with the same merchant on the same date ( XX/XX/XXXX ). She never received her order, but, her credit card company issued her a full refund with no problems. I believe that the web site that we placed our orders on was a scam. I am extremely disappointed in the customer service that Citi Card has provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: A hold was placed on my debit card without any warning from citibank. I called to request the hold be removed and they said they called my number and left a voicemail with a reference number to verify my account. I did not receive the voicemail and asked for them to call again. They put me on hold and claimed that they called my number but I received no call. The agent then promptly hung up after saying that my card would be locked until I had a number that they could reach to verify me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
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: We had some really bad weather a few weeks ago which caused several issues with my orders being delivered, products were delivered damaged/faulty. Accompanied with the fact that many of the boxes were open when I got home, Home Depot representatives falsely stated that the product was not received after I clearly stated the products were damaged. They also claimed that they credit my account, but my account balance never changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, I submitted a complaint number XXXX regarding a recalled wire transfer of XX/XX/XXXX, from my Citibank account XXXX XXXX to XXXX XXXX XXXX at XXXX XXXXXXXX XXXX account number XXXX. Within few minutes of the transfer, I notified Citibank to cancel the transfer and was informed that a recall would be initiated. After XXXX months of frustration with Citibank I filed complaint number XXXX, Citibank responded in a XX/XX/XXXX letter indicating that " funds are returned at the sole discretion of the beneficiary. If the beneficiary denies debit authority, the beneficiary bank may deny the recall claim. '' Upon my follow up with the beneficiary, he shared with me his account information which confirmed that the XXXX XXXX did indeed debit his account ; however, my account had not been accordingly credited. I called Citibank on XX/XX/XXXX, to share this information and was informed that numerous messages were sent to the XXXX XXXX XXXX without response. In another phone call to Citibank on XX/XX/XXXX, I was assured that the case would be escalated- including a SWFT message to Citibank XXXX to follow up with the XXXX XXXXXXXX XXXX The beneficiary 's bank statement continued to reflect the debit of the XXXX ( XXXX {$5000.00} ) which implied one of two things : ( XXXX ) Citibank is withholding my money ; or ( XXXX ) Citibank was not doing enough to have the XXXX XXXX XXXX to return the funds. Citibank 's action has caused me severe distress and pain since XX/XX/XXXX. With the proof of debit from the beneficiary 's account, Citibank 's disclosure that I " will need to contact the Beneficiary directly to arrange to have the funds returned to you '' is no longer tenable ; besides, I stand no ground to contact the XXXX XXXX XXXX for the funds except through Citibank. My faith in Citibank to represent me and defend my interest is at the lowest ebb and it is as though I am being robbed of my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A