Date Received: 2023-11-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received XXXX automated phone calls on Sunday XX/XX/XXXX at XXXX, XXXX and XXXX. All in which customer service is closed on a Sunday. I have already spoken with a representative about my payment being late due to health issues ( had recent multiple surgeries ) and the representative said it would be okay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: my low rate on my credit card advance ended on XX/XX/2023 so i decided to pay off the whole balance of my citibank credit card i went to their site ... and used my checking account money at chase to pay the full balance on the XXXX of XX/XX/2023 i used a direct fed wire from the number one bank to the number two bank in america using american dollar bills a week later no money in my checking account but none in my credit card either .... i called many times over the next few days and was told... please be patient... it is a process and it can take up to 21 days to pay off a credit card i explained many times i used cash money ... and a fed direct wire to make sure it would go through quickly and easily citbank management told me sometimes they have to review larger cash deposits to make sure the sending bank is still in business so i ask you think the largest bank in america that i used for 27 years went out of business the day i send you money ..???? they said it is for my own protection .... really???? how is that???? i am out XXXX of my money and can not use it ... .or find it .... and you have it ... and will not post it for my own protection??? i was told be patient it can only take 21 days maxiumum to review and certify the deposit i said i thought fed wires were almost instant... .why 21 days .... that is when they hung on me i thought it was a great question as i never heard of this happening i waited a few more days hoping this would finally be finished ... .i was wrong i was put on hold 3 hours to get a manager .... they read the same script ... .i need to be patient while they review the payment and make sure it is ok... .. might take a total of 21 days and it is all for my protection i was tired of this by now .... its my money... i worked hard for it ... where the XXXX is it and why is cash not good anymore in america .... well they also hung up on me i do not feel i need to wait any longer .... i used seasoned cash money from america in an american bank to pay off another american bank both located here in nyc i did not use a check or borrow from another credit card ... ..was pure cash sent throug a wire and now 10 days later no one at citibank wants to even try to explain why this is happening to me... i feel i am being disgarded and mistreated and it is wrong ..... my credit score was not increased as the deposit is still in limbo affecting my credit history since i can not make any payments on a fully paid off card my score will surely go lower as i do not make payments i was escalated to citibank complaint dept and was told this happens all the time where the bank wants to make sure transactions are real again never heard of this ... and not happy if this is the new america... i do not trust banks anymore and will be closing everything at citibank i would like to pay off the other loans but i will only lose more money ... so there goes my credit scores... i think this is criminal and or fraud and want the dept of finance to investigate... .also to listen to the many recorded phone calls where they say they can not release any info to me... .the card holder and the payer .... imagine this happened to you ... .and you needed money that you have but can not find for 21 days for no reason someone should tell americans that they american cash dollars are suddenly possibly not good big banks are getting away with robbery XXXX XXXX XXXX XXXX XXXX ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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: This complaint concerns a credit card provision that requires the holder to pay a minimum payment regardless of credits that are issued which satisfy the account prior to the due date. I had XXXX charges on my credit card account for XXXX purchases, XXXX for {$40.00} and XXXX for {$17.00} for a total of {$57.00}. XXXX was due by XX/XX/23. I returned a purchase and received a credit of {$21.00} on XX/XX/23 and paid the balance of {$36.00} on XX/XX/23, both prior to the due date of XX/XX/23. The credit and the payment totaled the balance due of {$57.00}. The credit card statement said the minimum payment against the {$57.00} due was {$41.00}. The credit card company notified me on the next monthly statement that I was delinquent by the sum of {$4.00} because I failed to make the minimum payment of {$41.00} required by the prior months statement, despite the fact that the credit I received and the payment I made totaled {$57.00}, the full amount of the balance due on the statement. The credit card company said the credit I received for the return could not be applied toward the minimum payment required and the payment I made of {$36.00} fell short of the required minimum payment of {$41.00} by {$4.00}. Therefore I was delinquent in the amount of {$4.00} and subject to a {$30.00} late fee, which they XXXX have credited. I should not be required to pay more than I owe. The credit I received and the remaining balance that I paid satisfied the total balance owed in full. Despite having satisfied the balance in full, if I am still required to pay the minimum balance, I will be forced to loan the credit card company {$4.00} for which there is no consideration and for which there will be no consideration. Note that the credit card company acknowledged that it received payment from the merchant for my return credit prior to the due date of XX/XX/23. In short, the credit card company received cash payments in full for the entire balance due prior to the due date but was still requiring me to pay an additional overpayment of {$4.00} to satisfy its minimum payment requirement for which I received no consideration. The credit card company, Citibank Visa, has no doubt issued millions of credit cards and is getting the free use of millions of dollars of their customers ' money in situations like the one described above. I'm sure that other issuers of Visa and Mastercard are doing the same. This is not right and should not be allowed to continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.
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: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citi has been lowering my credit limits for months and maybe even into a couple of years at this point. They're doing this to keep my utilization high, so they can keep my interest high. I suspect they're committing fraud against XXXX of their consumers and they need to be investigated. Prime example, they close XXXX of my accounts and I requested they be reopened back in XXXX, they said it couldn't be done. Now they are saying they could have but it has been too long, and the two accounts I recently closed within the last two weeks could have been reopened but my utilization is too high. It is a never ending cycle with them. I have accounts with XXXX XXXX and XXXX bank and neither has lowered my limits, not cut my cards off and my limits with them are XXXX the limits than with Citi. Imagine Citi forcing consumers interest up by XXXX percentage points, of their XXXX credit card debt at $ XXXX, that's an extra $ XXXX per day in interest they can charge their consumers. This is disgusting, shameful and they need to be investigated for trying to bankrupt the American people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 588XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.
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: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: For my transaction with XXXX on XX/XX/XXXX, I have submited disputes to Citi and requested a police file from XXXX XXXX for the non-delivery of purchased item of value {$1900.00}. Citi closed the claim in XXXX 's favor despite abundant evidence from me and no evidence provided by XXXX. By law it is Citi 's fault and responsibility to reimburse the lost value due to its negligence in investigation, however Citi refuse to provide such a fund. Consumers should not bear the responsibility of loss when all duties, and when their financial institution does not serve their duties. XXXX : this fund and its following processings has lowered my credit score in Citi 's retribution. I hereby request Citi to remove and mend any damage done to my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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 was the victim of credit card information theft. Someone opened an unauthorized XXXX XXXX with my credit card information and booked a hotel room in Florida through a travel website. I filled a dispute with Citi group. They denied the dispute and said they were legitimate charges even thought the name, location etc on the booking is clearly different Than me. I attempted to file an appeal with Citi group through their fraud prevention department. They repeatedly disconnected the call and hung up on me when I attempted to file the appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: 1. My certificate of deposit matured XX/XX/23. On several occasions in advance of that date I attempted to set up a plan for how to move the money post-maturation. The website would not allow me to do so. 2. I have tried " help '' on both the Citi website & mobile app. There is no information in " help '' about how to handle a maturing certificate of deposit. 3. I was sent a letter on the account with a signal that it was a high priority. I have tried to access it on several occasions, and EACH time there is an error message saying that Citi is " Currently Experiencing a Technical Issue. '' 4. It took seven minutes when calling the Citi phone number in my documents concerning my certificate of deposit to reach a person to be able to discuss these issues, as their automated system has nothing remotely on point. That person had no capacity to help me deal with the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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: Returned chair that never worked properly. Worked with Costco management to process refund. Disputed charge in late XXXX with credit card company. XXXX the conditional credit was reversed by the credit card company even though I provided dispute information as requested. XXXX, the dispute department supervisor stated I needed to obtain a refund from Costco not the credit card company. The Costco manager XXXX, was handling the refund and stated she spoke with XXXX the credit card company and that he would refund amount. XXXX to date has not contacted me and the credit card company took the {$10000.00} payment from my checking account even though I removed autopay 2 days prior. In addition, the credit card company charged me a {$30.00} late fee. XXXX the manager says Costco can not refund the amount and the credit card company says I need to obtain the refund from Costco. In the meantime, all of my bill auto payments are bouncing in my checking account due to insufficient funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A