Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citibank blocked my checking account on XXXX ( XX/XX/XXXX ) because the address on file had been changed. I called and verified the address. The account was unblocked for a couple of days and blocked again without any notice. When contacted, they said that they needed to verify the ID of the joint account holder ( my brother ) but couldnt give a reason why as all documents were presented when then account was opened. He went to the XXXX, California branch of Citibank to unblock the account in person on XX/XX/XXXX and provided a copy of his Driver 's License and Social Security Card. They said that it would be unblocked within XXXX hours. On XX/XX/XXXX, I still do not have access to our money. My identity is not in question but my access has been blocked as well so I called and they transferred me to the Remediation Department. The person from the Remediation Department explained to me that the XXXX XXXX had uploaded someone elses drivers license ( someone unknown to us ). We both agreed that was a mistake from Citibank and that they would expedite the unblocking because I did not have access to MY FUNDS. They asked me to email my brothers Drivers License and call them afterwards to have the account unblocked immediately. I did as instructed and when I called them, they verified that they received the documents and would escalate the process to expedite it and that I could access my funds in two hours. It is the end of day on FRIDAY XX/XX/XXXX and Citibank is unlawfully keeping me from accessing my funds because of THEIR mistake. They need to be investigated for unlawful practices and, needless to say, they need to release my funds NOW, which I need to survive. Furthermore, this is a very serious security breach. They sent someone else 's documents to my account and who knows where my brother 's Driver 's License and Social Security Card ended up. This bank 's practices should be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received a letter from Citibank dated XX/XX/XXXX asking me to contact the bank about a Savings Plus account ending in XXXX. I spoke with XXXX XXXX ( XXXX ) and provided him with the Know Your Customer ( KYC ) information over the phone. I also sent Citibank a copy of my valid New Jersey Driver License to CITI KYC ( XXXX ). I followed up on XX/XX/XXXX and again on XX/XX/XXXX to ensure the matter was resolved to their satisfaction. NO RESPONSE! I then received a second letter dated XX/XX/XXXX which stated that " Your account is at risk of being restricted. Information needed by XX/XX/XXXX. '' I called XXXX XX/XX/XXXX and spoke with " XXXX '' in XXXX, XXXX. Again, Citibank never got back to me to confirm the matter was resolved. Today, XX/XX/XXXX, I discovered that said Citibank Saving Plus account ending in XXXX is blocked ( Restricted ) and I can not access the {$1900.00} account balance. I called XXXX and spoke with Citibank KYC employee XXXX XXXX in Kentucky, but he needed permission to remove the block on my Saving Plus account. I need to withdraw the account balance but can not do so because Citibank is effectively holding me and the account co-owner ( XXXX XXXX XXXX ) XXXX. I have documentation to prove that I complied with Citi 's KYC request. The Citibank KYC reference number is : XXXX - XXXX. Please help. I am a former Citibank Compliance Testing Vice President ( XXXX - XXXX ) and no one at Citibank appears empowered to change the posting status of the Savings Plus account so we can close it. I can be reached at XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: After a divorce I am saddled with marital debt such as this card that is in my name only. In an effort to minimize the financial impact I asked Citi about options and they stated that I could negotiate a payoff amount. They were unwilling to offer me a payoff amount several months ago so I offered an amount. They rejected my offer and did not counter offer. The representative informed me that I could make another offer after 30 days. I made another offer after 30 days and it was similarly rejected. I was told I could wait another 30 days and submit another offer. During this time my account was closed without warning. This trickery has allowed Citi to continue to charge me obscene interest while I attempt to settle this account every 30 days. I may need to declare bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37379
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This bank sucks. They charged me a {$29.00} junk fee for submitting a credit card payment early using the wrong bank account. My bank still submitted the payment to them, just a couple days after I initiated it -- AND STILL BEFORE THE DUE DATE. I kindly asked for a fee waiver, and the chat analyst said they " requested '' it, but it was " not approved. '' I have been a cardholder for over 5 years, perfect payment history. Seriously, these people XXXX. That is all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX and XX/XX/XXXX of XXXX I contacted Citi card rewards. The first time was chat and the secoind time was the phone. I get check mailed to me becaseu they can not seem to figure out how to deposit it to my checking account ( the same one I pay them with ). So now I get an error message that my address needs updating. They update it and get the same message- telling me they still can not send the check. Basically they give me no way to redeem but to apply it to my card balance. That is not the contract for rewards- it is CASH rewards. They are running a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX and XXXX supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. A XXXX XXXX ( Citigroup ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to XXXX and XXXX, using an invasive entity called XXXX XXXX XXXXXXXX XXXX ( another XXXX ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX retail purchases or discriminatory practices ( e.g. XXXX, XXXX XXXX ) etc, to set you up and illegally collect data. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known aXXXX XXXX on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the U.S. District Court. My information was also posted publicly ( I am a victim of identity theft ) on a private investigator XXXX XXXX website called XXXX - part of the long list of illegal XXXX activities from this " XXXX '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with XXXX requesting more information on the XXXX inquiry however XXXX never responded with the contact information details. Citigroup Tops List of Banks Who Received Federal Aid - XXXX XXXX XXXX XXXXXXXX https : XXXX XXXX XXXX XXXXXXXX XXXX dollar government bailed out Citigroup and XXXX XXXXXXXX XXXX XXXXXXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out Citigroup along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX Veterans. XXXX dollar government bailed out Citigroup along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
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 was called by the bank issuer ( CITI BANK ) of best buys store credit card stating that I owed a balance of {$600.00} for a XXXX XXXX XXXX purchased in XX/XX/2023. However, I never bought said item and I asked the representative for a receipt confirming my signature to show that I authorized that transaction, however they did not give me a duplicate receipt until months later in the mail showing only the transaction and the store location but not my signature. I personally shop at the Best Buy located on XXXX XXXX XXXX, XXXX for my Best Buy products so I have no need to travel to the Best Buy location in XXXX, XXXX. I have been a loyal Best Buy credit card member for 20+ years and have paid my debts for much larger valued items than what is shown here. I did not authorize the transaction and they cant even show my own signature authorizing the purchase with 12 month financing which I had to do for previous Best Buy orders that I financed instore. I find it ludicrous that the card issuer ( CITI BANK ) can conclude their investigation and state I am held responsible for a charge I did not make when I have a history of paying my debts with Best Buy for over 20 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11370
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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 am complaining how my citi credit card handled my dispute. They didn't handle my request professionally, mislead me with wrong information, and helped a scammy third party website commting a fraud. XXXX XX/XX/XXXX : XXXX XXXX XXXX advertised a very cheap price of {$1600.00} on XXXX XXXX XXXX : I booked the ticket based on the price they advertised from XXXX : They used the XXXX number and constantly blowed my phone off ( I have supportive screenshot ) : content of calling : Firstly, they claim the {$1600.00} doesn't exist. I had to pay {$400.00} more to get the ticket. -- -- Why do you sell me a ticket that doesn't exist??? Secondly, after I said I didn't have extra money, they said wait! You only have to pay {$200.00}! Thirdly, I said " I don't have a dime for more. If you can't sell the ticket for the price you advertised for, I will just chancel the ticket. '' Fourthly They said : We will just do {$1600.00}. I said great! XXXX pm : They called me and later on sent me an email ( around XXXX ), asking for my ID and citi credit card. That's huge red flag right there that eventually lead to making the decision of not going with this company. No company would ever ask me to email my ID and credit card over to them. God knows how they are going to do with my top 1 sensitive personal information. I said : There's no way I'm gon na send this information to you. You are a fraud company, I want to cancel my ticket now. They answered : No you can't canceled it! I said every company has a 24 hr cancellation policy. You haven't issue the ticket to me yet, why can't you cancel it? They answered : Oh just wait for the ticket to be issued! I said no I just want to cancel! They responded : Just wait for the ticket to be issued! They totally ignored my cancellation request and insist me to wait for the ticket to be issued. XXXX I called Citi and reported fraud. You can see my screenshot that there was the XXXX number. I also attached the dispute email that happened on XXXX. Citi said don't worry, you will get your money back. Just have to wait for the pending purchase to post first. XX/XX/XXXX XXXX am XXXX just issued the ticket the next day!!! They ignored my request and issued the ticket the next day!!! ( please see attachment ) For the most part of XXXX, I have been constantly calling Citi to make sure my case is handled as soon as possible, because I need the credit back to buy another ticket. 3 weeks to a month later : Citi made a decision : " Good news! You have been issued a security deposit credit! '' I didn't know what a security deposit was, so I called citi, the representative on the phone said : '' Ma'am, the problem was resolved, decision is final! '' 5 days later : I made sure the credit was not changed or reversed, then I bought another ticket to XXXX. XXXX I noticed the credit was reversed. XXXX If you said the decision wasn't final, I would have waited to buy another ticket. I don't have money to pay for XXXX tickets. P.S : Something Very Important : About the ticket I bought from XXXX, I called XXXX XXXX to verify this ticket, the airline told me I'm not able to use this ticket, because I'm a XXXXXXXX XXXX, my trip from XXXX back to XXXX through XXXX will be denied by this airline. This has been a very frustrating experience. I was so disappointed that Citibank reversed the credit while the representative said it was final earlier. I never used this ticket, instead I bought another one from trusted website and used that one instead. Now I am facing two plane ticket charges. Please help. I am better reached by email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: On XX/XX/2023 I rented a car in XXXX XXXX with my Citibank Credit Card. The rental car company made a charge ( correctly ) for {$340.00} USD. The rental car company also requested a proof that they could charge an additional XXXX XXXX COP or {$440.00} USD. XXXX immediately ran a reversal for the {$440.00}. The reversal did not post up so, I filed a complaint with Citi and they closed the dispute - but none of this shows in my Notices and Letters. There is a dispute closed on XX/XX/2023. I contacted Citi and had them re-open the dispute. I sent the requested information on XX/XX/2023 and then called to make sure that they had the needed information. I was assured that they did. I heard nothing further from Citi until this morning stating that they once again had closed the dispute stating it had been too long. Citi took their time and slow walked this complaint and then stated I was out of time. I have sent Citi the reversal receipt and the tracking information from XXXX. XXXX is stating that have proved that the money was sent back to Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank closed my account and is saying they will mail out a check after 60 days. They did not provide a reason for this closure. My account was flagged for an account take over because I didnt pass the voice verification while adding my card to my apple wallet, and I went to the branch. Apparently this caused a review on my account and I received a call back saying it was terminated and they couldnt give me a reason why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A