Date Received: 2023-11-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: on XX/XX/2023 citi bank sent me an email stating they wish to end the relationship with me conserning my checking account after just opening the account and depositing funds. i contacted the bank they told me that they will sned a letter as to stating why in the mail along with a check in the amount of my funds around XXXX i have not recieved the letter nor the funds i keep calling them the keep telling me the back office is the one with the answers but wont allow me to speak with them they state that they email them and im to call back in 48 hours for the response this has been going on for the last 6 months i dont owe them any thing i offered all legal documents as to prove who i am they said i been varified but yet still wont give me my money back this has put me in a big hard ship as i have limited income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/, I called Citibank regarding my checking account ending in XXXX and informed that my account had previously been closed ( without my consent ). I was told that the remaining funds of {$1000.00} would be returned to me via check within 14 business days, and was given a reference number of XXXX regarding this call. I was told that a check had for these funds had previously been issued but I never received it. I confirmed my mailing address to receive the check and was informed the previous check would be cancelled and a new one issued. On XX/XX/, I called Citibank again as I still had not received the check for my funds. I confirmed my address again, and was told my check was not issued because they had not received feedback on this request. I asked what feedback Citibank needed to receive from themselves regarding my account that they unilaterally closed, and was given incoherent responses and told to visit a local branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I called the company that was on my credit report, and was not able to see what account it was with, then they told me it was XXXX, I let them know it it not my account, and the Superior said she was going to take care of it because the information she had me verify was my personal information was incorrect. So she said she was going to take care of it In accordance with The Fair Credit Reporting Act CITICARDS CBNA has violated nay rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention. Sincerely, XXXX XXXX XXXX XXXX CITI 's ACTUAL DEMAND FROM RIGHT NOW : -- -- -- -- -- -- -- -- -- -- -- -- -- Action Needed : Agree to go Paperless to maintain digital access to your account ( XXXX ) Were requiring you to go Paperless to maintain digital access to your account ( s ). This means your statements and legal notices will be provided only on Citi.com and the Citi Mobile App. Not ready? We will remind you one more time. After that, authorizing Paperless Statements and Legal Notices will be required or you will not be able to access your account ( s ) on Citi.com and the Citi Mobile App to make payments, view transactions, or use any other digital features. After selecting 'I Authorize ', you can always switch back to paper delivery on your 'Paperless Settings ' screen and maintain digital access. Go to 'Services >> Statement & Documents ' on Citi.com or 'Profile >> Statements & Communications Preferences ' on the Citi Mobile App . Paperless delivery is secure and convenient. Automatically receive payment due reminders on credit card account ( s ) Immediate access to past 24 months of statements ( 12 months if not Paperless ) No statements will be lost or stolen in the mail By clicking " I Authorize '' I agree to the Paperless Terms and Conditions and understand that I will receive my statements and some legal notices electronically only instead of through the US mail. The Paperless Terms and Conditions provide more details, including the system requirements to view documents, and how to get a paper copy or cancel Paperless. I also agree to the Alerts Terms and Conditions and understand that Citi will send me an email alert five days before my credit card payment is due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48176
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a closed account with Citi Visa for XXXX XXXX. In XXXX and XXXX of XXXX, I made two payments for both months. I thought I would receive full credit of my payment for each month but both months they charged me a {$30.00} late fee. My XXXX payment I was informed I would receive a courtesy credit on the late fee. I reached out again to Citi on XX/XX/XXXX My XXXX payment I was informed that the payment I sent for both months were posted on the previous cycle and would not be credited for the months they were due. I spoke with XXXX who informed me that the payments are considered late, and I had to pay the late fee. XXXX told me there was nothing else she could do for me, but she decided to give me a credit for {$100.00} dollars. If XXXX could help me, why did I have to stay on the phone with her crying. I was not aware of the billing cycle period. I know it is in the small writing. I have never been late on the account in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: My Citibank account was taken over by an unauthorized party that fraudulently stole over {$18000.00} during the week of XX/XX/XXXX. The unauthorized party used XXXX to transfer the money out of my account. I immediately filed a complaint but Citibank has refused to refund the funds or accept any responsibility for the robbery.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20170
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
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 bought a XXXX XXXX XXXX from a XXXX company XXXX XXXX XXXX and they did fraudulent activities to fail their customers recently their company got shut down for an ongoing fraud investigation and Citi credit card not listening to their customers and not issuing the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95776
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was signed up for for a safe guard program with my Citi credit card without my consent that charged me high fees that went unnoticed for many years. With my high balance the fees were very high. I estimated I was charged at least {$15000.00} over many years. Sadly, it went unnoticed. I have read I am not alone and I read that Citi has settled paying {$700.00} XXXX to XXXX XXXX accounts. I would like help to get back some of the money the Citi stole from me. Can you help? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Citi / CitiBank / Citigroup Inc, United States. Assuming all calls and chats are recorded based on what they say on the line. Before I begin, this is Citi 's AutoPay Terms and Conditions; Under Payment Amounts and Available Credit, it states that, 1. ) " Your AutoPay payment amount may be reduced if youve made additional payments or received credits during the current billing cycle that result in a credit balance '' 2. ) " You will see a reduction in your current balance, and in your minimum payment due as soon as your AutoPay payment is processed. '' **See attached screenshot for proof** Basically what it says is that if there is a payment made before AutoPay, then it would automatically adjust the AutoPay amount or go {$0.00} when the statement balance is paid in full so it would not charge twice. Highlighting these informations : 1. ) My Citi Custom Card and my other credit card from Citi account are both enrolled in AutoPay to pay the statement balance in full every month and with my Citi Custom Cash which currently I have a problem with happens XXXX of every month. 2. ) I usually like to pay my cards manually like days before the AutoPay kicks in not just with Citi but with other banks as well. I enabled AutoPay with a reason " Just in case I forgot to make a payment. '' How the issue started : On XX/XX/XXXX ( Friday ), I made a manual payment using Citi 's iPhone Application " Citi Mobile '' amounting to " {$260.00} '' and posted fairly quickly on the account and was deducted from my XXXX Checking Account with " WEB ID : XXXX XXXX '' on XX/XX/XXXX ( Monday ). On XX/XX/XXXXXXXX ( Tuesday ), I got a notification from XXXX that my account balance had decreased and found out it was because Citi AutoPay ( which is not supposed to happen based on their AutoPay Terms and Conditions ) had processed a payment amounting " {$130.00} '' **Confirmation FROM XXXX XXXX WEB ID : XXXX**, which is NOT even the statement balance on the account and apparently it is the running balance. Therefore, the balance went to {$0.00}. I immediately checked Citi 's Mobile app and as expected an AutoPay amounting to " {$130.00} '' was processed and posted on XX/XX/XXXX with the confirmation FROM CITI " XXXX AUTO-PMT '' ( CITI ) ; and FROM XXXX XXXX WEB ID : CITICARDAP** I reached out multiple times for Customer Service : 1 . ) The first reach out was through Chat Support on the Citi Mobile App I believe on XX/XX/XXXX. I spoke to a representative and asked about why I was charged again when I already made a payment and AutoPay should've not charged my checking account again. The representative acknowledged that this was not supposed to happen and told me he was going to review the account. Later on that chat, I said can I just get refunded for the overpayment I made which is " {$130.00} '' and he said, he would go ahead and check it first before making some sort of request. A few minutes later, I was told that he would refund the overpayment which is " {$130.00} '' and would reflect on my checking account within a few business days. 2. ) I reached out again on the same day XX/XX/XXXX, but this time through phone as I did not get any confirmation through email or on the app that the refund was on the way or chargeback. When I got to hold to the representative and ask for this information but of course I mentioned what happened. He told me that they could not refund AutoPay and he did not see any request for a refund by the previous representative I spoke with and offered if I want him to process the refund instead. This frustrated me even more so I said no thank you, just leave it on the account. Like whatever and hang up. 3. ) I called again on XX/XX/XXXX ( Friday ) when I found on the app that my balance had gone up even if I hadn't used my card after that issue. Looks like they Charged me back " {$260.00} '' which is still not on my checking account til today XX/XX/XXXX ( Friday ). Anyway, I called again for the third time and spoke to another gentleman on the phone and explained everything again from the start. He apologized and was told that yes the AutoPay system should have not done that since the " {$260.00} '' was " CREDIT REFUND AS REQUESTED '' on XX/XX/XXXX and just waiting for it to reflect on my checking account. I also mentioned that since it was refunded for sure I would be charged with interest and I am not paying no interest when it is Citi 's fault and he assured me that whenever I got my refund and paid back the account, whatever the interest charge will be waived. I also asked if there was some sort of credit for this inconvenience and he gave me a laughable {$10.00} for wasting my time by calling Citi again and again which was reflected on my account on XX/XX/XXXXXXXX ( Saturday ) To reiterate : As of today, XX/XX/XXXX ( Friday ), I have not received any refund back to my checking account and it has been over 3 weeks since it was processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A