Date Received: 2023-11-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had opened a secured credit card account with Citi Bank last year by depositing {$1000.00} USD as a security deposit. This Credit card was converted to an unsecured credit card ( Regular credit card ) in XX/XX/2023 this year. After conversion, Bank was supposed to refund me my Security Deposit account through a check but even after multiple requests the check was never delivered to me. I even asked them to do a direct deposit in my checking account or refund the security deposit by posting a {$1000.00} credit on my credit card but they are not doing that. I have called them over 20 times and have been complaining to them on XXXX as well. Everytime they say that we will mail you the check but nothing happens. Please help resolve this matter with Citi and help me get my Security deposit back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I rented a car through XXXX. I pre-paid the amount that I was told the rental car would cost minus the taxes that I would pay at the time that I picked up the rental car. We waited over an hour for the rental car company shuttle to pick us up at the airport, when they did finally arrive, we were transported in an overcrowded, dilapidated van to a very remote location off of the airport Property. When we arrived at a very sketchy looking car lot location where the employees were less than congenial or communicative we were given a car that was dented, dirty, and had maintenance needed lights on the vehicle before we left the rental car area. We made sure the car was safe and the lights that were on the dash were reset. At this point, it would have been an opportune time to cancel the reservation seeing the unsafe and sketchy area that we were driven to, but we had no transportation as that is why we were renting a car. Also, we were on a business trip and had appointments to be made in a timely manner so we went ahead and commenced with the rental of the car from priceless rental car company. When we returned the car and I viewed the charges, I had been charged {$30.00} a day for insurance. I have full coverage insurance that covers Rental cars, But I was told at that time that they required a very inflated amount of coverage that my insurance didnt cover although it is adequate coverage for TEXAS and full coverage insurance, and it is also adequate for the state of Florida just not for them. I was not given any information about this alleged insurance company even thou I asked for it. They charged extra fees for insurance at this priceless rental car for an amount of {$180.00} extra dollars on my bill. The location and the employees of this rental car company were very sketchy and again no prejudice included, could not speak English well enough to communicate, or refused to address my questions about the extra charges so as soon as I got back home, I contacted my credit card company about the extra charges of this rental car company. I properly executed a dispute with my credit card company XXXX XXXX XXXX, and I promptly reported this unsatisfactory situation to XXXX and to the rental car company. I sent documentation and wrote to my credit card company yet they still did not support me in the extra charges of this rental car company. I spoke with XXXX whom were also no help in this matter. I am a very good customer. XXXX XXXX score is XXXX. I promptly pay my full balance on all my credit cards. I carry no balance and Im very upset that I am not supported by my credit card company when Im overcharged for purchases and in my opinion, I was scammed out of money from priceless rental car. Since I was unable to have any reimbursement or satisfaction from priceless rental car, XXXX, or from my XXXX XXXX credit card company, I am reaching out to ask for assistance in this matter. I do not want other people to be treated as I was by this company or buy this credit card company, I would like to make a complaint about their process of protecting their customers, and respecting their complaints and disputes when they feel they have been cheated, scammed, and overcharged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have been an existing Citibank checking account customer since XXXX. On XX/XX/XXXX, I received the XXXX offer email from Citibank as attached. In the email there was a unique referral link of mine which could be shared with my friends. The email stated that " when my friend used my link to open an eligible Citi Checking account, I would receive a {$100.00} cash bonus within 90 days. '' Then on XX/XX/XXXX, I referred one of my friends to open a new Citibank checking account via my referral link. Now today, I still have not received my {$100.00} referral bonus. During the last 5 days, I called Citibank customer service more than 5 times. None of them could resolve the issue, and two of them told me that the bank branch in which I opened my checking account was responsible for XXXX offer. Then on XX/XX/XXXX I called Citibank XXXX XXXX XXXX. The agent in the branch refused to help resolve the issue. She claimed that the branch was not responsible for the referral using the referral link under XXXX offer. The branch would help only if my friend was referred to open the new Citibank checking account in branch. All in all, I tried to contact Citibank many times. I was answered with conflicting information and all from Citibank claimed they had no responsibilities. As a result, nobody from Citibank helped and I did not receive my referral bonus as advertised in the email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I need help with Citibank closing my two credit cards within a week of each other. I think there has been a huge mistake, but it is impossible to talk to anyone at Citibank about it. I had two credit cards with Citibank - an XXXX XXXX and a XXXX. Both were enrolled in autopay. The autopay for the XXXX was hooked up to my savings account. In XXXX, XXXX, and XXXX of this year the auto payments came back as returned. Citibank never sent me an email or letter in the mail about it, but they did alert me to a private message that said there was a problem with my savings accounts. When I would go into the website to read them an alert told me the system was down and to come back later. I didn't pay much attention to it since I knew I didnt have much money in that account and had forgotten that the savings account was sourcing the autopayment. ( Some context around the oversight to the returned payments. My father died recently and with wrapping up his estate I have not been paying as close attention to my accounts. Also, I paid off both of these credit card accounts completely recently so they were the last things on my mind. ) After coming back on vacation my AAdvantage card was declined and I called Citibank and the associate told me it had been closed and that there was a message for me, but she couldn't read it to me. I had to be transferred to another department for that and they said because I had had three returned payments that it had been closed. Within a week the XXXX card was closed also even though I have not had any returned payments on that card! I called a second time after that card was closed and asked if they could be reviewed. Since then Citibank has sent me a letter postmarked XX/XX/23 stating that the AAdvantage card had been closed and another saying the same for the XXXX card postmarked XX/XX/23. On XX/XX/23 I received an email from Citibank stating " Youre one of our best customers, so were happy to announce that the revolving credit limit on your Citi XXXX Card has been increased... '' which made me think it was being reopened and further adding to the confusion. Then I received two letters a couple of days later postmarked XX/XX/23 stating that both accounts had been reviewed and weren't being reopened. I have tried talking to someone at a local branch but they refer me back to customer service. I am attaching copies of all the letters and emails Citi has sent me that are mentioned above. Thanks for your help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was charges on my account that I did not make and once I noticed them i immediately reported the charges to the Citi well almost two months later nothing has been done on my account. I call them on XX/XX/23 only to find out my claim was never done and this amount is still reflecting on my credi and my account even though they issued me new cards they never filed the claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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 contacted Citibank about 58 charges made to my credit card account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These charges were made by a XXXX XXXX XXXX who DID NOT HAVE PERMISSION to use my card to purchase online games. I communicated with Citibank through their online interface, through fax and phone starting XXXX XXXX (when I first noticed the charges on my statement). (This wasn't a card that I used. I had the payment on auto-pay, paperless billing until the promotional balance was paid in full.) Yesterday, XXXX from Citibank called to say that they were not honoring the dispute because I didn't make the dispute in time, I paid the balance of the charges in XXXX, and that I couldn't prove that my XXXX XXXX XXXX made the charges without my permission. - I first disputed the transactions on XXXX XXXX and continued to attempt to communicate with Citibank agents. I was routinely passed to different departments who said I would need to contact different departments. One number that I was given was even disconnected. - I paid the balance of the charges in XXXX because Citibank was not responding to my claim and they were continuing to charge my account interest. - I did not give my child access to my account nor permission to use the card for XXXX, let along 58 charges totaling over XXXX dollars in just over one month. There are 58 charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for digital goods-games. I did not make these transactions to XXXX nor did any authorized users on my account make these transactions. I've tried on several occasions to communicate this issue to Citi including by fax. I would like these charges reversed and my account fully credited. Transaction IDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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 ordered XXXX XXXX XXXX from Bestbuy. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to Bestbuy. I mailed back the damaged package with tracking #. A day later XX/XX/XXXX was order was canceled by Bestbuy with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. The following week it was XXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. Until XX/XX/23 I have discovered on the credit card investigation package of tracking # XXXX that was sent to my address. I immediately reported to Bestbuy that I havent never received any notification or any type of communication. Bestbuy agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX, I was told only sender can request credit and from receiver. Bestbuy refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Home Depot has unjustifiably deminished my credit worthiness. As the attachment hereto indicates, I have never missed a monthly payment, yet my accounct is now classifeid delinquent. My efforts to clear this problem up via telephone was hampered by my inability to understand what the foreign representative was saying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My miles are suddenly gone from my account XXXX Monday XX/XX/XXXX I had an XXXX XXXX trip in my shopping cart I had applied all miles from my account ( XXXX ) This trip XXXX to XXXX was for our XXXX wedding anniversary as well as my wife 's birthday ( both are on XX/XX/XXXX ) I have spent the last 6 months planning this special trip I had a room at the " XXXX '' as well as a XXXX XXXX from XXXX all with XXXX XXXX was going to finalize Tuesday XX/XX/XXXX. I logged in Tuesday XX/XX/XXXX I noticed all my miles gone, I looked for the XXXX XXXX trip but I could not find it anywhere. In a panic I called XXXX I was transferred to the " fraud desk '' I spent the next 3 hours on the phone with " XXXX XXXX '' I was made to close my XXXX linked with this email and open another, XXXX XXXX kept stating it is my responsibility to keep my account secure she stated that on XX/XX/XXXX my email address was changed and I was informed via email I NEVER received any email I asked for her to resend she stated it was not possible If my email is compromised, how come only this account is affected? How do we know that this is not related to XXXX XXXX XXXX in XXXX or the more recent XXXX XXXX XXXX? I have been affected negatively in the following : I can not use my preferred email for XXXX I have been put through 3 hours of wasted time with XXXX XXXX XXXX, I was informed I had to file a police report which I did with XXXX XXXX Sheriff XXXX XXXX Case # XXXX. I can not book our XXXX anniversary trip due to no miles. The police report takes 10 business days before I can get a copy. I asked pleaded with XXXX XXXX XXXX to connect me with her supervisor as I felt this needed to be escalated XXXX XXXX said she would pass this to her supervisor to date I have heard nothing. I feel with the " changes '' being implemented that something has happened behind the scenes Why no emails? Why no names in username Why no account # for username I understand about 2 step authentication it is now being used it would solve XXXX XXXX of all unauthorized attempted logins. I want to state this I am VERY careful with my data I use a random generated password on all my accounts that I change every 90-120 days THIS WAS NOT DUE TO NEGLIGENCE ON ANY LEVEL FROM MY END
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75090
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I opened a CD online on XX/XX/23 with Citibank and selected for {$65000.00} to be transferred from my checking account to fund the CD. A few days later, I noticed that the funds were not transferred so I called customer service. I was told that the funds would be automatically transferred within the next 2 days. As of yesterday, it was not transferred, and the system did not allow me to move the funds online. I went to a branch to inquire, and the teller processed the transfer and provided a receipt. I confirmed that the funds were deposited in my CD account as I was able to view the balance online. Today, I logged in and the funds are missing. I called customer service and all I heard was that the funds were withdrawn, and the system is not showing a deposit to the CD account. I have a receipt from the branch, and no one seems to be able to figure out what's going on. Please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A