Date Received: 2023-11-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: According to the CITI bank website ( screenshot attached ), I can receive a {$1000.00} bonus for opening a new checking account while maintaining a {$75000.00} balance for 60 days. To ensure the promotion can be applied correctly, I opened an account at the CITI Bank branch at XXXX XXXX XXXXXXXX XXXX XXXX NY, so that the process can be taken care of by a professional banker. I opened an account with CITI banber XXXX XXXX. I deposited {$75000.00} into the account on XX/XX/2023, maintained it for XXXX days, called CITI banker confirmed already met all the requirements for the bonus, and transferred out on XX/XX/XXXX ( screenshot attached ). However, the bonus was never delivered to me and XXXX said I was not eligible when I asked him again ( email attached ). I am not able to resolve this with local CITI banker XXXX XXXX, or CITI online chat.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have received a credit card send me a denial letter for a credit card. I was not the person applying for this card as i already hold one of these cards. I would like for my credit and identity locked and blocked. I have no idea how many more that they will try to open. Me credit score has been dropped to below XXXX points. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
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 been overcharged for a hotel stay and have two companies ( XXXX XXXX and XXXX XXXX ) pointing the finger as to who has overcharged me. As both merchants charged my Citi card, I have filed disputes with Citi. However, I only receive form letters back from Citi indicating they have found in the merchant 's favor because the amount billed appears to match the invoiced amount. This is a more complex and nuanced issue than a typical dispute and I can not get ahold of anyone at Citi that can sufficiently discuss the situation with me. Citi reps have instead told me to send in appeal letters to update the reason for appeal, etc. I initially sent dispute documentation on XX/XX/XXXXXXXX and sent additional documentation on XXXX, XXXX, and XXXX. However, I keep getting the same type of form letters back from Citi with no indication that anyone has reviewed the nuance and details of this situation. The form letters indicate I'm only claiming there is a discrepancy in the amount charged versus the amount invoiced, which is not at all correct. In summary : I relied on misinformation from a merchant, XXXX XXXX, when booking a pre-paid hotel stay at the XXXX XXXX. With this misinformation, I canceled an XXXX {$2800.00} order and rebooked on XXXX in the amount of {$3200.00} for the same exact hotel room and dates of service after a rep confirmed the higher cost avoided being charged fees by the hotel directly. At check in, I provided my Citi card to the XXXX XXXX so a hold could be placed for any incidentals. There was no mention of any resort fees, tax charges, or anything other than a temporary hold. Upon check out, I received a bill for {$320.00} and my Citi card was charged on XX/XX/XXXX for a daily Service Fee, Service Fee Taxes, Service Fee City Tax. XXXX XXXX own Terms of Sale state : With respect to hotel products, the rates offered on this Website are rates for pre-paid reservations. Your credit card will be charged the full amount immediately and the total price includes all tax charges and service fees. This amount was to be included in the payment to XXXX XXXX. I have tried disputing ( and appealing ) the XXXX XXXXXXXX XXXX charge as one XXXX XXXX rep indicated I should not have been charged the {$320.00} as it was paid to them. However, Citi found in the merchant 's favor. I have tried disputing ( and appealing ) a partial amount of the XXXX XXXX for the {$320.00} that their own terms state were to be handled by them. However, Citi found in their favor as well. If Citi is fully investigating, I fail to see how they could find in favor of both merchants. I have certainly been overcharged by at least one of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Home Depot, using Citi Cards as the credit servicer, claims my husband and I have a credit card under our names, XXXX and XXXX XXXX, opened in XXXX. The account ends in XXXX. We did not open this card or make any purchases on it. In XXXX, I opened a single Home Depot account and purchased garden supplies for approximately {$120.00}. The clerk was to put this purchase on my Home Depot card. I am told the account ending in XXXX, which we did not know of, is 120 days past due. We have disputed this with the company and requested an investigation of the account and purchase. First, we were told that legally, we could not dispute an account, which is incorrect. We also asked for the original credit documents of the account from the time of opening and purchase but were refused these. Currently, the only document we have received on the account in question is a letter requesting we call to settle the account. We believe Home Depot/Citi Cards has made an error in this card being opened and the purchase and would like this removed from our credit report asap! Thank you, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am having problems with my Macys credit card account number ending XXXX on monthly interest charge. I contact the customer service and try explaining that I was over charge finance charges on my account they hang up the phone on me. Previously in XXXX I had more balance and paid less finance charges. I strongly believed that these companies are ripping off innocent people who dont check their account on regular basis. I kindly ask to open an investigation on this matter as soon as possible. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hi there! I opened my business checking account at Citi Bank on XX/XX/XXXX. After 1 week, they closed this account without any notice. I couldn't use my debit card so I came to a brand and talked to the worker that opened the account for me and let him know why this account is closed. He called the back office and they told him this account was closed due to fraud warning by the other bank. I never know I have any fraud warning and never have any denied by other bank so I am disputing with the fraud department now for it. Anyway, they told me they will send a check of the balance {$3300.00} within 30-60 days. The account was closed on XX/XX/XXXXXXXX and today is XX/XX/XXXX. It's almost 90 days already but I didn't receive my money back. I called customer service many times and also came to the branch but I got the same answer that they don't know where is my money going. Even the branch called the back office and same answer. So who know and can help me to refund my money?! It's ridiculous and distressing. I just hope I could get my money back. Please help me! Thanks a lot!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On the website of Bloombingdale 's credit card promotion website ( XXXX XXXX XXXX ), it states -- DON'T HAVE A CARD? Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to total savings of {$250.00} over the two days ). However, after I was approved for the card, the company never sent me any confirmation or instruction regarding how to use the card or the information about the approval since the promotional is only valid for two days ( litrally today and tomorrow once you are approved ). When i called them, they said i would not receive the card until 7-10 days after the approval ( therefore I will not be able to receive the promotion offer ) or i need to go to a store for the promotion. This information never shows on the website or anywhere. This is fraudulent practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a personal checking account in Citibank on XX/XX/XXXX, XX/XX/XXXX me and a friend of mine went to XXXX XXXX XXXX and my friend wired {$25000.00} as a loan to me to My checking account in Citibank. XX/XX/XXXX I found out that my bank account is closed and when I called they said its gon na take 30 days and I would receive a letter from the Citibank. Meanwhile the XXXX was coming and I needed the phones for personal agent matters I have not done anything illegal or anything wrong, I do not understand why they will be holding my phones for 30 days. I went to a branch in XXXX California and I showed all my documentations and credentials. The bank contacted the fraud department and their answer was the same that I have to wait for their investigation for 30 days. The account was not even a month old and I dont understand why the investigation of such a new account will take so long and my phones being on hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My phone and wallet was stolen and all of my debit cards and account were attached to it. I recovered my belongings after a short time and reached out to the bank because I had to dispute some transactions that had taken place on account of the theft. I was given provisonal credit for XXXX transactions, although there were more than XXXX I had disputed. When I disputed the transactions my debit card was not cancelled. Several days later I called to check on the status of the disputes and the agent decided to not only cancel my card that I had been using since recovering it, but dispute transactions that I was very very clear that I had been that XXXX that made the transactions. Several days later, after explaining to them that my check was being deposited into the account Citi Bank over nighted me via XXXX a new debit card. I acivated my card and logged into my online banking online to discover that they had XXXX closed my account for Fraud and they will not give me any information and I am unable to access my funds or print and itemized statement of my checking account which I need for court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had two major issues with my Citi double cash card. 1 ) In the span of 2 weeks my card was blocked N times and I have spent hours on the phone trying to resolve it. I was doing regular transactions with merchants I have always used with this card ( XXXX, XXXX, XXXX, XXXX XXXX, ... ). This makes using this card pretty challenging and it is my primary card for purchases. Citi has not given me a response on why this is happening and how are they going to prevent it from happening again. Their agents just say they have made complaints in their internal department but given how long this is going on and how frequent it is happening it is pretty clear to me that these internal complaints are not being heard, thus why I am filing this complaint now. Some of my call log : - Talked with supervisor XXXX on ( XXXX ) XXXX at XXXX XXXX PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : According to them blocked because of XXXX transaction - XXXX XXXX PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX PST XX/XX/XXXX : I don't remember which transaction it was but I had just cleared the card XXXX hour before and it got blocked again. Seemly no new transactions. - XXXXXXXX XXXX PST XX/XX/XXXX : Don't remember the transactions involved but I had to redo this XXXX hour after, Citi never gave me an explanation of why - XXXXXXXX XXXX XXXX XX/XX/XXXX : Card present transaction at XXXX XXXX XXXX To make matters worse, they are not able to send SMS to my primary phone number ( a XXXX XXXX XXXX and they won't accept my secondary phone number ( a XXXX XXXX because the Caller ID name they get from some third party tool doesn't match my name. Both numbers are used to send me alerts about my account, have been properly registered on citi.com as my phone numbers but I still am not able to use them. I have had both numbers for XXXX and they are mine. The Caller ID part is particularly frustrating because I have a really long name that doesn't fit on the card or on the caller ID and the reason they don't match is simply that different parts of my name are used. This ends up being discriminatory to people from XXXX XXXX countries because our names tend to be very long. I would like Citi to provide a way for me to properly register my secondary phone number to receive SMSs. Just give me the instructions. The fraud department agents just say it can't be used because of information from third party providers which is truly maddening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A