Date Received: 2023-10-25
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Citibank XXXX raised my rate to over 26 %. I was never notified by them that this was going to increase. It started out as a 0 % for 15 or 18 months. The jumped that high. Even on current purchases and had I'd been notified I would not have used this card for my daughter 's wedding expenses
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am writing to file a formal complaint against Citibank related to a bonus XXXX XXXX miles offer that I received and enrolled in. The purpose of this complaint is to seek your assistance in resolving an issue concerning the fulfillment of this promotional offer, as detailed below. On XX/XX/2023, I received an email offer from Citibank, which stated that as a valued Cardmember with my Citi / XXXX XXXXXXXX card, I was eligible to receive bonus XXXX XXXX XXXX miles for opening a new eligible checking account. The email clearly outlined the requirements to earn the bonus miles, with an expected posting time of 30 days after completing the required activities. I enrolled in the offer by following the instructions in the email and received a confirmation email on XX/XX/2023, acknowledging my enrollment. I successfully completed the required activities by depositing {$1000.00} in XXXX qualifying deposits and making XXXX qualifying pin-based purchases totaling {$1000.00} on XX/XX/2023, which should qualify me for the highest bonus of XXXX XXXX XXXX XXXX XXXX However, despite the email stating that the miles would post within 30 days, they have not been credited to my account as of today 's date. I contacted Citibank on XX/XX/2023, and was informed that I met the criteria of the promotion, however, the miles would take 90 days from the account open date to post, contrary to what was stated in the original email offer. I contacted Citibank again on XX/XX/2023, and was told that the promotion code XXXX was not associated with my account. I was requested to provide a copy of the promotion that was sent to me. I promptly faxed in the requested documentation. However, as of today, XX/XX/2023, I have been informed that it could take an additional 30 days for resolution, and there is no guarantee that the miles will be credited to my account. This situation has caused significant frustration and inconvenience. I believe Citibank 's actions are misleading and unfair, as the terms of the offer were clearly defined in the initial email communication. I kindly request that the CFPB investigate this matter to ensure Citibank fulfills its offer in accordance with the original terms and that customers are not subjected to inconsistent information and extended delays in receiving promised benefits. I appreciate your attention to this issue and look forward to a prompt resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opend a Citibank checking account on XXXX XXXX. I told them i needed the account to do transfer for my daughter 's education. the account was opened, and i received my debit card a week thereafter. Once i had my debit card, i transfer in XXXX XXXX from my savings account at another institution. I waited a few days to make sure everything was okay given i was a new customer. 2-3 days later i did a wire transfer to my daughter 's account in XXXX for her education expenses. Everything looked fine but the next day my account was fronze- i couldn't access it. I called the help line and they told me " there system '' froze my account and was sending me a letter that will help me unlock my account. that was on XX/XX/XXXX. i called XXXX weeks later telling Citi i still hadn't receive this letter. the were unresponsive and wouldn't even confirm my account balance. I had to call back 10 more times to speak with a manager who said the same thing - " the systems says you need a letter with a reference code ; sorry can't help you. '' After now calling some XXXX times, on XX/XX/XXXX finally they said they would resend me a letter, even though there customer commitment is XXXX days. to date, NO ONE has confirmed my money is fine and always tell me the system, the system. this has cost me nearly XXXX XXXX for late fees for my daughter 's tution let alone left me very scare of citi who is supposed to be a XXXX but seems like know one knows what's going on or can help me even though i've done exactly what they've told me. to date, i still do not have this letter and they have my XXXX and don't seem to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: For the past 2 weeks I called Costco Citi business credit card 10 times. Each call was 40minutes long. The fraud department constantly calls if someone opened a new card under my business name. I selected yes through text messages and phone calls. Each time we are making purchases at Costco hence Costco Citi credit card. It declines even with monies within our limit. After my frustration and bad customer service I requested to speak with the supervisor since I called so many time that my cell phone to send a clarifying text message was over used. I needed to go to my place of business to answer my the phone. Otherwise they would have to send a letter with directions on what to do next. This would disrupt my business as I need to make purchase for my business. Every call I made with with assistance with no prevail. Each time the agent would have to patch me to a supervisor and he or she would then tell me i would have no more problems. Today XX/XX/2023 they called my store, called my cell phone and texted messaged me twice today. I dont understand why this keeps happening. I wasn't rude to any of agents. I did express my frustration and confirmed if anything i could do, but at this point I do feel this was intentional. All I wanted was to have a good service with zero hick ups on my purchase. I spend about $ XXXX a week! On business purchases!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: First, congratulations with having the Supreme Court having validated the funding mechanism for your bureau! I have a credit card issued by Citi which I have always been very happy with, and will continue to use even if the final decision is in favor with Citi. My specific issue is that Citi is requiring holders of their cards to go paperless if they wish to also maintain online access to their account. One of the things that Citi cards does right is that they post the amount of any purchase immediately, which means I can check my online account every day to check for unauthorized purchases and to enter transactions into my financial software. Most other card issuers do not post transactions until the transation is final, which can be days or even weeks longer. I was receiving social security XXXX until I was eligible for regular social security, so I guess technically I am no longer XXXX. However, I do have XXXX and XXXX XXXX, which makes telephonic inquiries virtually impossible. Also, because of age ( almost XXXX ) I am not so comfortable with computers as to make downloading & printing possible. In summary, I am XXXX, XXXX with XXXX & XXXX XXXX, and not very comfortable with computers. However, I do know how to get into my Citi account online, and to be honest, it gives me ( and Citi ) an extra 30 days to check for unauthorized or fraudulent account activity, so both sides do receive something from this arrangement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My wallet was stolen in XX/XX/2023. The criminal tried to use my Citibank Visa XXXX at XXXX. I called Citibank immediately to report the stolen card, and answered a text from them not to let the charge go through because it was fraud. Citibank went into investigation, and denied my claim, saying I owe them the charge of {$2200.00}. I asked them twice to re-open the case, sending them what they asked for ( my driver 's license and a screen shot of the text ). They are no longer responding, but are now sending me past-due notices and threat of collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a checking account with citi bank. After making initial transfer to open the account. I deposited a payroll check to the account. The account was closed the following business day. I called and visited the branch and no one could explain why the account was closed. I received a letter saying they are closing my account and that they will return the funds in 60 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: After I noticed that I was being charged an outrageous interest charge of 24.99 % on my XXXX XXXX XXXX Citi Card ending in XXXX, I paid off the balance due on the card by making a payment of {$1800.00} on XX/XX/XXXX which left a balance of {$0.00}... As if the usurious 24.99 % interest rate being charged on the money I owed on this card wasn't enough of a disgrace for this thieving company, they fabricated a {$490.00} charge that I DID NOT OWE, applied a 24.99 % interest rate to this fictitious {$490.00} charge and showed that I owed these thieves {$10.00} for the {$490.00} that XXXX XXXX XXXX Citi Card fabricated. Not only is this company engaging in predatory lending practices by charging 24.99 % interest, but it is also engaging in outright fraud by fabricating fictitious charges after my card was paid off and applying their predatory 24.99 % interest rate to the fictitious charge.
Company Response:
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX : failure to follow standard policy for making funds available for mobile check deposits in the amount of {$220.00}. XX/XX/XXXX : Failure to make the additional {$450.00} available per policy. The bank initially made {$40.00} available and racially discriminated against me..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: accourding to my consumer rights and FCRA law 15 usc 1681 you are required by law to provide me a signed contract that this account belongs to me
Company Response:
State: KY
Zip: 42001
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A