Date Received: 2024-02-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a joint Citi Bank with my husband in XXXX of XXXX. My husband performed three jobs doing XXXX XXXX XXXX XXXX XXXX XXXX and we deposited three checks from the people he had done these jobs for into our new account. My husband performed similar work the year prior and this work is filed on our tax returns. The checks totaled {$1400.00}. I also had made a {$25.00} initial deposit into the checking account. We received a letter stating that the {$1400.00} deposit had been received on XX/XX/XXXX and that the deposit would be available as following : {$100.00} Available immediately and {$1300.00} available on XX/XX/XXXX. That day, I went to check my account and found that my online access had been blocked. I called Citi and after hours of being transferred and multiple phone calls, I learned that my account was under review. One of the people that wrote a check to my husband called and let us know that Citi Bank had called them and asked them several intrusive questions about the check that they wrote to my husband and were concerned that the caller from Citi Bank may be a scammer due to the way they behaved. I called Citi Bank about this and an agent told me that it is Citi 's policy to verify all third-party checks deposited on new accounts. ( I've never heard of such a strange policy at any other bank. ) All three people that wrote these checks confirmed that the checks cleared their banks and the money went to Citi Bank. They told me that they needed to speak to every person that had written the checks to confirm the checks. We co-operated. The three people that wrote the checks co-operated. On XX/XX/XXXX, we received a letter that Citi would close our accounts automatically within 60 days. I called Citi and Citi told me that the balance on the account would be refunded me within 30 days after closure. They stated that I would be receiving a final statement in the mail. I was also told that if their review had determined that the checks wrote to me should not have been deposited, they would return that money to the people that had written the checks. On XX/XX/XXXX, my husband and I received a {$25.00} check from Citi with " Closeout Disbursement '' written in the memo line. This was the money that we deposited as an initial deposit into the account and did not include the {$1400.00} in checks made out to my husband that were deposited on XX/XX/XXXX. We reached out to the three people that wrote my husband checks on XX/XX/XXXX and they informed us that none of them had received the money back either. This means that as of XX/XX/XXXX, Citi is holding {$1400.00} of funds from checks written out to my husband. Even though Citi closed the account, they did not return the money to either the people that made out the checks or my husband, the person that the checks were made out to. Since the checks cleared the banks from these three people, Citi is clearly holding on to this money and a search online seems to indicate that Citi had done this to hundreds or thousands of others. It feels like Citi is trying to steal money that does not rightfully belong to them. I've lost trust in putting money in banks. How could it be possible that depositing checks into a checking account may mean you will never see the money again?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Arrived in XXXX XXXX this past month, was going to the ATM and was confronted by XXXX armed individuals. They forced me at XXXX point to give them my wallet and phone, basically everything with me. They then had me take them to my XXXX where they held me XXXX that week while they emptied my bank account. Once I arrived back to the XXXX, I reported everything to my banks/credit companies. Every company felt sorrow and compassion for me and was able to get reimburse for the lost money. Only XXXX company denied my claim which was Citi Bank. Its basically saying I should have not given them my pin and die over this. I feel like they dont care what even happened honestly. I feel like my life would cost more but they didnt. They denied the claim so quickly I was shocked. It was really disappointing and frustrating that I almost die and my own bank I use doesnt even care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My name is XXXX XXXX XXXX, I'm a US citizen working in XXXX since XX/XX/XXXX and have been employed here. Since then, which is now almost 2 years, I have not been back in the US. Copies of my passport entry and exit stamps from the immigration shows that very clearly. In my absence, while I was working in XXXX, my credit card was used between XX/XX/XXXX - XX/XX/XXXX in XXXX, New York, for purchases worth {$2400.00}. Now, please note that during this time I was employed in XXXX, and to prove that I've submitted my pay-slips to the bank via email for both months when these transactions took place. How is it possible that I was physically employed in XXXX and at the same time making the transactions in XXXX? How is it possible that my passport clearly shows no entry during this period, yet still the bank is forcing this amount on me without any proper investigation. Furthermore, I've sent the Citibank fraud investigation department several email since this amount reflected on my account. They neither respond nor do they provide any indication that shows a fair investigation is being conducted. I am under enormous mental stress due to the bank 's callous attitude and now have been prescribed XXXXXXXX XXXX XXXX to deal with the stress. I need this matter to be investigated fairly. I have provided multiple times the evidence to the bank via email yet no response. I've also submitted a copy of my last air ticket that clearly shows my exit from the country, if the immigration stamps didn't already prove my point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I purchased a new phone which I traded in for another phone. I was unable to access my Citibank account after these changes. I called Citibank to let them know I was locked out of my account due to me changing my telephone number and my phone. Citibank told me I would have to wait for a code through the mail. I waited for a letter which took XXXX weeks in the days prior I had to open a new bank account with another bank entity so I could pay my bills. I was able to access my account sometime in XXXX thats when I updated my phone number. I contacted Citibank to ensure the process of changing my phone number was in effect I was told it took 30 days. Today XX/XX/XXXX I was attempting to make a external transfer to my other bank but was unable to verify my account because the system switched my phone number back to the original phone number I no longer had access to. I contacted Citibank and of course they could not assist me I was told to send them a letter via mail requesting the change of my phone number. This has been a very stressful process and Citibank is not assisting me in this matter. Every representative tells me something different
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: We sent a bank wire to Citibank for {$19000.00} with a wrong account number for the customer who was supposed to receive the wire. Citibank sent the money back to XXXX XXXX but with no account information on where to deposit the funds so the money was returned to Citibank. Citibank still has the funds and has not returned them to XXXX XXXX. All documentation from XXXX XXXX is included in this complaint. This is the second complaint to try to get the funds sent back from Citibank to my XXXX XXXX account. This is the account where the funds of {$19000.00} need to be returned to : XXXX XXXX XXXX, XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX Account # XXXX Routing # XXXX XXXX XXXX has assembled the timeline, requests for returning the funds sent to Citibank and a confirmation funds have not been sent back. If anything is needed on my end in addition please email me at XXXX. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I initiated an outgoing transfer from my Citi checking account to my XXXX XXXX savings account for {$1000.00} on XX/XX/XXXX. Upon making the transfer, I was informed that the funds would be available on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received the money in my XXXX XXXX savings account. The transfer I made is still shown as pending in my Citi checking account on XX/XX/XXXX. I have contacted Citi Bank several times, and the only response I received from them was to wait.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a letter from Macys that an unknown party without permission or authority did try to open up a Macys American Express Card and Macys Credit Card under my name on XX/XX/year>.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11714
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX, I applied for a Home Depot credit card while shopping at the XXXX XXXX XXXX. I never received the credit card in the mail but one month later I got three fraudulent charges on the statement. Three Fraudulent charges are : 1. XX/XX/XXXX Hardware purchase {$250.00} 2. XX/XX/XXXX Hardware purchase {$500.00} 3. XX/XX/XXXX Electrical and Lighting {$110.00} The XXXX Home Depot store was not even able to find the three transactions in its system. On XX/XX/XXXX after receiving the first statement showing the fraudulent charges, I called the Home Depot Credit Card Customer Services immediately and filed a dispute. XXXX, the customer service, canceled the credit card and provided a case number for this claim. In XX/XX/XXXX I received a statement for a different credit card account for the same three fraudulent charges. I called the Credit Card Service again. XXXX, the service representative told me Home Depot transferred the charges from the closed credit card account to this credit card. I do not even have that credit card. XXXX reopened the case for further investigation and asked me to call back. On XX/XX/XXXX, I called the Home Depot Security Operations and talked to XXXX who said the second account is still active but I told her I do not even have a credit card with Home Depot for that account. XXXX also informed me that one more account under my name is still active. I don't have those three Home Depot credit cards at all. XXXX closed the second and the third credit card account and gave me a confirmation number # XXXX. On XX/XX/XXXX, I received another statement with the same three fraudulent charges {$860.00}, plus fees {$29.00} and interest charge {$5.00} totaling {$900.00}. These charges showed up on the account I had closed with the confirmation number of # XXXX. How could Home DepoXXXX transfer the fraudulent charges to accounts that had been closed? In summary, the credit card I applied but never received had fraudulent purchases that I did not authorize in XX/XX/XXXX. The three fraudulent charges were transferred to a different credit card in late XXXX and then transferred to another credit card. All the facts shown above are proofs of serious identity theft and credit card frauds. I have tried to resolve this matter for over 6 months, but XXXX XXXX still claims I am responsible for the fraudulent charges. Your help on resolving this issue would be highly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2024 the non penalty CD that I had with city bank matured. XXXX XXXX who was responsible for my account as a gold member was supposed to call me to discuss where did I want to move the money. I didnt get a call from him and on XX/XX/2024 I went to the bank to move the money to my current saving account, when the bank told me that it was too late to make changes. The maturity date was on XX/XX/2024 and somehow they decided to move the CD to another account and lock it in for another year. None of this was communicated to me!! No phone call was made or email sent to let me know that the maturity date has been reduced from 7 days to 5 days. I have never experienced so much of miscommunication and failure to relive the issue with out paying penalties. I want to file a complaint against the branch manage and XXXX XXXX and city bank cooperate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
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 ordered lights with a XXXX XXXX XXXX from XXXX. I never received the product I ordered. I did receive a product I did not order and offered to ship it back at their expense. XXXX said they would ship the product I ordered again, after I contacted them. I never received what I ordered. I then filed a dispute with the merchant. They said they would ship the product if I closed the dispute. I closed the dispute and never received the product. I sent the dispute to my credit card company. The credit card company contacted the merchant and the merchant refused to refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92106
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A