Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I've been a loyal customer of this bank for more than 12 years, consistently making on-time payments. Despite applying for several credit cards, I've been repeatedly declined without any explanation. Even when I did acquire a credit card about a year ago, it was suddenly closed without prior notice. I'm left wondering if my XXXX heritage is a factor in these credit card application rejections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91040
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, i had a Citi Bank checking account and Credit card from costco. I went to local XXXX branch to send wire about {$5500.00} To XXXX for a Apartment of mine, and the bank closed my account syspecting me of terrorist financing. First day closed my checking account then they closed my credit card from Costco. Also i just read that Citi targeted XXXX-Americans as " bad guys '' according to the article here https : XXXX? XXXX & XXXX It all makes sense now why they would portray my wire to XXXX XXXX as XXXX funding. Attached is the wire information and the date that it happened. Please follow up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: home depot access my credit file without my consent and used my non publlic infomation and took adverse action against me, based on this information they lowered my credit limit and i had good standing with them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Was told on XX/XX/2023 that Citibank was closing my account due to a third party check that I deposited into my account. The check was good and cleared into my account but by this point there was a block on my account. They said I needed to go into a branch to verify the identity of the person whose check it was and if I could do that then there were temporarily release the block on my account. I did that we did not release the block. They then told me that they believed a check that i deposited into my account for {$220000.00} was a frauded check. And that. If I could verify that the check was legit they would temporarily remove the block on my account. I had the law firm that handled my fathers probate for the inheritance I recieved from my fathers passing call Citibank and they verified the check was legit. And still they would not remove the block on my account. I explained to them multiple times that i was in the middle of buying my first home and that i was going to lose the house i was in escrow for. Still I have not been able to get my funds released
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: In XX/XX/2023, a Flex Loan was taken on my Citi Bank credit card without my authorization, then sent to my XXXX XXXX checking account and directly sent to my XXXX XXXX account and from there disappeared to someone named XXXX XXXX XXXX. It was done in a matter of a day and then completely disappeared. Citi Bank is saying that we need to pay back the Loan and keeps adding interest every month at a very high rate. I don't know where else to turn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Since XX/XX/, Citibank Online ( web & mobile ) has said that I have a notice waiting for me to review called " 90-day legal notice for conversion. '' I have been unable to download or view this document. I have contacted the call center, my relationship manager, and my financial advisor and used the chat feature online. No one in the last ~8 weeks has been able to explain to me what this letter is about and why I can not read it or download it. No one seems to be able to send me a copy of the letter in the post. No one has a record of this letter in their systems. No one can accept a screenshot of what I'm seeing online to show them the error message " Looks like this document is temporarily unavailable right now. Please try again later. '' or other details. When I had them create a case or a complaint, they couldn't provide me a confirmation number or reference ID of that case or complaint. They said I would not receive any notification from Citi about the investigation status or when the problem would be resolved and that I would have to continue logging in each day to see if the issue was resolved. Why would a bank send such an important sounding, date-driven document that includes words like " legal notice '' and " 90-day '' and then have no record they ever sent it and no ability to allow me to read the document?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This credit card is used strictly for balance transfers. I have never missed a payment or let a transfer amount lapse, so I never had to pay interest only the transfer fee. On XX/XX/XXXX, I had a promotional balance transfer expiring in the amount of {$2400.00}. On XX/XX/XXXX, I made a payment for {$2500.00} The credit card company applied the funds to another promotional amount due XXXX I requested a reversal of the funds. I was told the funds were mailed on XXXX instead of refunding via the original payment method. I never received the funds. I was told to wait 2 weeks before another check can be issued. I never received the funds, so after several attempts, I filed a fraud claim through my bank to get the money back. I then paid this same amount of {$2500.00} on XX/XX/XXXX to apply to the same expired transfer balance. Of course this was after the XXXX due date. The credit card charged a late fee and since XXXX an interest charge. They claimed the {$2500.00} was not paid timely, so it's now treated as a revolving charge. I have paid, {$500.00} on XX/XX/XXXX, {$400.00} on XXXX {$400.00} on XX/XX/XXXX and they allocate the payments to a balance transfer due on XXXX This is to constantly charge me interest at 24.24 % on the " revolving credit " which is about XXXX XXXX monthly. This balance has not decreased since. I have send emails since XXXX and call on numerous occasions. This defeats the purpose of a balance transfer. This is to keep me in debt by charging me unnecessary fees. This was their doing. I request management and was constantly told the system allocate the payments and they can not do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I made a payment to my American Express credit card for processing on XX/XX/2023 in the amount of {$7000.00} to be debited from my Citi checking account. After a few days I noticed my balance still had not updated and I checked my American Express account as well. Payment still had not processed. I contacted Citi and they said they sent me a letter that my account was on a hold due to a change of address. I moved well over a month ago. Payments have been processing all month since my change of address. If there was an issue they should have called, emailed or texted me if there was suspected fraud or any hold on my account. I should be made aware directly asap. A letter that takes 7-10 business days is not acceptable. I still have not received this supposed letter as of today. So not sure this supposed letter exists. They finally released the hold on my Citi checking account after I called them. I then contacted Amex and they said the payment was denied/rejected by Citi. They said they would try to process the transaction again but it was denied again by Citi when I had plenty of funds to cover it. Because of this my payment was deemed late and I was charged {$190.00} in interest because of Citi mismanagement of my funds in my checking account. I have never been charged interest as I akways pay my statement balance in full. This is unacceptable. Citi needs to pay my interest fees since they are responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
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 have been trying to dispute a fraudulent charge for {$2700.00} at XXXX XXXX in XXXX which has a date of XX/XX/ but appeared on my statement as a reversal on XXXX. I did not authorize this charge and have reported it as fraudulent by calling the Citi security department at XXXX on XX/XX/ where I was provided a case number XXXX and was told to wait for the security team to contact me via phone, email, or mail. I followed up to the same department on XX/XX/ and was told that I just needed to wait to be contacted for follow-up. I received no communications from Citi and called again on XX/XX/. On my XX/XX/XXXX call, the representative made another dispute and cancelled my card to issue me a new card number, then told me to wait for the security team to contact me. I still had not received any follow-up communications from Citi and called again on XX/XX/ to inquire why the charge was still part of my balance and why there had been no follow-up from Citi. The agent responded that I just needed to wait for the security team to send me a communication. I informed the agent that I would be filing a CFPB complaint since my fraud dispute had not been resolved after almost 1 month. The charge has not been removed from my account and I was charged interest and fees for it and it is still gathering interest. I am also no longer able to sign onto my online account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A