Date Received: 2024-02-27
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: This has been on going since XXXX with no resolution at all! XXXX until XX/XX/2022 I had my maintenance automatically withdrawn from my Citibank checking account however the merchant says they never received my payments even though they were deducted out of my checking account. I filed a formal complaint with Citibank as well as the department of Finance but they were not able to assist me in refunding me for these payments. Citibank keeps saying they refunded me however the next month they charged my account back for the payments!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: MACYS/CBNA {$1000.00}, In this account it was sent out to the wrong address which was stated on many of the bills as XXXX XXXX XXXX, XXXX, CA XXXX. The address was completely incorrect, the correct address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had a XXXX XXXX XXXX this address where my other bills were forwarded to my XXXX XXXX XXXX I had to make the proper change before moving. For about 1 year, Macy 's was sending my bills to the wrong address Documentation has been mailed to me with the incorrect error on my credit report. I contacted them on XX/XX/XXXX, to make the proper changes, but was too late and my account had been sent out to the collection agency at XXXX and XXXX. The latest settlement offer was from client services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Account XXXX XXXX settlement offer of {$620.00} before XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My problem with Citi Cards ( a division of Citigroup which Citibank is part of ) began in XXXX but I had fled from domestic abuse ( abuser gave me XXXX XXXX ) and was unable to file my complaint against Citi Cards ( Citigroup ) until now, after my brain sufficiently healed. My problem with Citi Cards : I received mail from Citi in XXXX, the front of the envelope was marked with the words : Important Information Enclosed and it was sent from the address below : Citi XXXX XXXX XXXX XXXX XXXX, SD XXXX The envelope contained a XXXX page important letter and please note that the name listed on the letter isXXXX XXXX XXXX XXXX, ( my previous name which was on the old closed Citi Cards account and its my name from my XXXX marriage ). My current name is XXXX XXXX, my name from my XXXX marriage. Also note that the address listed on the letter is my old mailing address which is no longer valid. My abuser stalked me after I fled from home but I couldnt move until after my XXXX sufficiently healed. He continued stalking me so for my safety ( because he nearly took my life in more ways than XXXX ) I finally fled to move out of state and now I have a new mailing address. I really couldve used the money Citi Cards promised to send me because my health insurance provider refused to cover the cost of my expensive brain healing treatments so I was forced to pay for the cost of healing my brain on credit card. I didnt want to live with brain damage the rest of my life and I cant safely return to work as a nurse until my brain damage is healed, to do so could jeopardize the lives and safety of my patients. I contacted Citi Cards customer service numerous times and they ran me around in circles. I have XXXX ancestry so Im familiar with XXXX accents and the representatives at the Citi call center sounded as if they had XXXX accents. When Id explain my issue to them, they simply told me to call XXXX XXXX, that it wasnt their problem and theyd hang up on me. Very rude treatment and this happened several times. During XXXX call, I finally got through to a supervisor who said hed try to research the issue. He put me on hold then told me they couldnt find me in the Citi system. He said its likely because its an old closed account so my information would be automatically purged from the system. However, he did say my information must still exist in some database because he confirmed the address that mailed me the letter is a legitimate Citi Cards address. He couldnt help me any further at that point. So then I went inside a Citibank branch in XXXX XXXX, California and the staff tried helping me but said all they could do is connect me to Citi Cards customer service over the phone because Citibank has nothing to do with Citi Cards. Theyre all part of Citigroup but completely separate from XXXX another. Citibank staff remained on hold with me for a long time but the customer service representative at the call center also gave us the run around. Finally she put us on hold and never picked back up. The Citibank staff told me that often happens with the call center. She said they put people on hold and never pick back up so the caller will just eventually hang up. Thats really bad customer service and unacceptable! So I called XXXX XXXX and they informed me that although the Citi Cards has a travel AAdvantage program partnership with Citi Cards, any mileage reimbursement in the form of cash in a check must come from Citi Cards, it is not XXXX XXXX responsibility to reimburse Citi Cards customers for the mileage credits from old closed accounts. The XXXX XXXX representative told me that in that day alone he already received around XXXX previous calls from upset Citi Cards customers who received the same letter as I had and they were demanding their travel mileage reimbursement check. They told the XXXX XXXX representative that Citi Cards staff said XXXX XXXX was responsible for issuing the check so every time he had to inform the angry customers that no, the travel mileage reimbursement check is supposed to come from Citi Cards. Citi Cards is committing fraud, defrauding customers of money owed in the form of travel mileage reimbursement checks from old closed Citi Cards XXXX XXXX XXXX credit cards that still had unspent travel mileage attached to the accounts. I believe, after sending all those letters out to Citi Cards customers, the company later realized they owe a lot of monetary compensation to Citi Cards customers for unused travel mileage which will be a big chunk of money out of their pockets which will hurt their bottom line. So although Citi Cards sent out the letter, they failed to deliver on their promise, they failed to actually mail the reimbursement checks out to their customers. And when customers call the Citi Cards customer service department, customers are given the run around and turfed off to call XXXX XXXX but it isnt XXXX XXXX financial responsibility! Then Citi Cards customer service representatives place customers on hold indefinitely so the customers will just give up and hang up. Its an unfair unjust game Citi Cards is playing with customers in hopes theyll just roll over and give up so Citi Cards wont have to pay the customers the money owed to them from the unused travel mileage. This is straight out fraud, defrauding consumers of money thats rightfully theirs. I never received the financial reimbursement Citi Cards promised theyd send me, in the form of a check for the unused XXXX Citi Cards XXXX XXXX XXXX travel miles left on my closed Citi Cards account. I obtained the XXXX miles when I called XXXX XXXX and spoke to a representative. If needed, my XXXX XXXX XXXX member number is : XXXX. The contents of the letter Citi Cards sent me is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in : XXXX Important information regarding your account Hi XXXX XXXX After reviewing your Citi / XXXX XXXX XXXX XXXX XXXX XXXX card account, we noticed an error that calculated your XXXX XXXX XXXX miles earnings incorrectly. If your account is open, well credit your XXXX XXXX XXXX miles balance with the amount owed to you within 1-2 billing cycles. If your account is closed, well apply a statement credit to your account. This credit will be reflected on your statement within 1-2 billing cycles. If were unable to credit your account, a check will be mailed to you at the address we have on file in the next 10-14 business days. If you have any questions, please call the number on the back of your card. We accept XXXX or other XXXX XXXX. Your Citi XXXX XXXX XXXX I appreciate your assistance in helping me, and other Citi Cards customers , in achieving justice and the money we are all owed from Citi Cards . What theyve done to us is flat out fraud and is so wrong, unfair and unjust. I would greatly appreciate your help in getting Citi Cards to resolve this issue asap and have them send me the check they owe me for all of my unused travel miles which XXXX XXXX told me is XXXX unused travel miles. Thank you kindly! With gratitude, XXXX XXXX ( formerly known to Citi Cards as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
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 being billed by Citibank/Wayfair for items which had been promptly returned. They also have tried to ruin my credit rating by daily submission of reports under different logos of theirs to credit agencies that II owe them money to bring down my credit rating. My rating It was always in the middle XXXX 's, as I always paid my bills on time, & now is in the XXXX 's because of only their daily false charges. They had removed some these charges but still are reporting this & billing me for items that were returned. I believe they were parts of items on their invoice XXXX. I am XXXX and my husband has just passed away & I really need your help in resolving this matter. The items ordered had to be canceled because I had go out of town on an emergency last XXXX. The items that were delivered & returned before I left were not opened as I did not know whether they were the parts of either a bed or dresser & could not be there to receive the rest of the order. I returned them via XXXX # XXXX, XXXX & XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33905
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Completed XX/XX/2023 I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
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: Deposits and withdrawals
Consumer Complaint: To whom it may concern : In attempting to access my online Citibank account on XX/XX/XXXX, I received an error advising that I needed to authenticate some banking information. Unfortunately, both my credit card and savings account are tied together. After speaking with several agents on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was notified that my savings account had been closed and gave no reason why. I have yet to receive any information from the bank institution regarding this decision. In addition, all debit cards have been deactivated. I do not have any Citibank branches near me and unable to retrieve my funds of XXXX. I'm desperately begging for your assistance in retrieving my funds as this is unethical and illegal to withhold since no misrepresentation was involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX of 2023 I opened a Best Buy credit card account to purchase a new phone and shortly after that I got a new phone number. I paid my account off pretty quickly after that, but when I received the credit card my name was spelled incorrectly and my phone number had changed. Come to find out Citibank put my shipping address as my mailing address. Calling citibank to fix this problem did not resolve the problem since they have my information wrong, everything except for my email was correct, They said they couldn't verify but would send something in a few days. But of course, they're sending it to the shipping address so the post office will send everything back to them. All the information was correct from Best Buy so therefore, it was Citibank that entered my information in incorrectly. Best buy said they had everything correct in their system. How such an egregious error could happen in a credit card company that says they're all about integrity is beyond me. I called several times and each time got the same answer. So I told Citibank I just would rather close the account. They said they couldn't do that either. Now I feel like what in the world am I going to do if I can't get them to fix the problem they created and I can't even close it. At this point I just want them to close the account. I would never use a Citibank card again. They have terrible customer service and make serious mistakes with no accountability!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
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: 2024-02-25
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 recently opened a Best Buy credit card issued through CitiBank. On XX/XX/2024 I purchased a tv antenna from Best Buy.. The total price including sales tax was {$53.00}. At the sale register I explicitly said I did not want to put this charge on my Best Buy credit card. I said i wanted to use XXXX XXXX on my cell phone to charge it to my bank credit card. The Best Buy associate need to place the charge on the credit card device so I could use my cell phone. A couple of days later I checked to see if a payment I made has posted at which time I saw the {$53.00} charge that should not have been there. I called the phone numbers I had and talked to a man I think was at Citibank. I explained the problem and he helped me file a dispute. Over the next several days and weeks I used screen prints and and printed details of my XXXX XXXX card showing the payment was made to that card. I sent those in the comment section of the dispute and made additional phone calls. on XX/XX/2024 I received a letter from Best Buy Credit Services that included a number to fax additional documentation. I faxed the data I had copied from my XXXX account showing the {$53.00} had been paid by my XXXX XXXX XXXX XXXX XXXX. I made another call with no results. The charge is still on my Best Buy card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67216
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Citibank has changed its lending practices and is now restricting individuals who only receive non-taxable income from applying for XXXX XXXX credit cards. My uncle died last week, and I wanted to return to CT for his memorial service. I have GOOD credit with XXXX XXXX and, during the pandemic, applied and was approved for a card through them to fly. They recently discontinued their program, and now the only cards they offer are backed by Citibank. Citibank 's process prohibits consumers from applying if their total income is non-taxable. For instance, if you are a veteran and totally XXXX, you are restricted from completing the Citibank application process or claiming your total income as non-taxable. I believe their lending practices are discriminatory toward individuals whose sole income is non-taxable and specifically target and restrict people whose total income is XXXX or XXXX-based. Their process never included this caveat until now. I believe it to be a prejudicial and discriminatory lending practice. Based on their current lending practices, they should be prohibited from contracting with the U.S. Government. I was restricted from completing the application process, and unable to apply over the phone due to my XXXX. Citibank provides no other means for contacting them via e-mail, and I do not use social media. I find their NEW guidelines and restrictions on creditworthiness elitist and prejudicial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In my entire credit history ( 25+ years ) I was late with one credit card payment for XXXX in XX/XX/year> which was paid when I was notified by that company 32 days later. Due to that Citi Bank, who I have four credit cards with and Never missed a payment on any of them reduced my credit line on all four making my credit score drop 50 points. Every time i make a substantial payment on any Citi Bank card they reduce my available credit line to within {$100.00} of my balance making my credit score go down even more. This action on their part is responsible for my credit score dropping 127 points in three months making me appear less credit worthy for any credit transaction. My emails and phone calls were not responded to and i can not get them to reconsider the damage this arbitrary action has and will cause me. Can you help me. My credit score was as high when they solicited me for the Citi cards as when they started to eliminate credit lines as I made payments. Their actions have really hurt me with auto and other insurance rates as well. They will not respond to me and keep this unfair action up each month. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A