Date Received: 2023-10-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made payments for {$4300.00} and {$100.00} on XX/XX/XXXX to Citicard. The funds were deducted from my bank account on XX/XX/XXXX and were transferred to Citicard at the end of the day on XX/XX/XXXX. Citicard has not applied the amounts above to my available credit in my Citicard account, and according to their call center reps, they have " placed a float on the money. '' When I first called Citicard on the morning of XX/XX/XXXX to ask why the payment was not applied to my available credit, the call center rep named XXXX called my bank- XXXX XXXX to see if the funds had cleared. A XXXX XXXX XXXX told XXXX the funds had been deducted from my account and that the ACH transfer to Citicard would be complete by XXXX pm XXXX on XX/XX/XXXX. XXXX told me that the " float '' on my account could be lifted after the ACH was complete. XXXX said she would call me back on XX/XX/XXXX to help lift the " float '' on my account so that the payment would be applied. XXXX did call me back at XXXX XXXX. MST on XX/XX/XXXX and left a voicemail on my phone stating she was calling to assist me with lifting the " float. '' When I called Citicard back at XXXX am MST on XX/XX/XXXX to have the " float '' lifted, I was told they could not lift the " float '' and would not apply the payment to my account until XX/XX/XXXX. I explained that the XXXX transfer was complete and they had my money. They still refused. I asked to speak with a supervisor who could help me and who could explain why they were holding the payment and not applying it to my account. I was transferred to several reps and finally spoke with an account manager named XXXX. He said he would not remove the " float. '' He did not explain why. I asked him to find someone to help me. He said no one could help, then hung up on me. I was on the phone with Citicard for XXXX hour and XXXX minutes. The payment has yet to be applied to my available credit on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My ex put me on her Citi credit card as an authorized user when we were together and I never made a payment using the card. When we broke up I told her to remove me from the account and I threw my card away. Now I found out she never had me removed and her debt that she has on the card is hurting my credit score. I keep trying to contact her and have her get me removed but she purposely avoids me. I tried calling the customer support myself too but I can't even talk to a representative without the card number or the primary account owner 's social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
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: CC company : Citi Cards ( XXXX card ending in XXXX ) Dispute ID : XXXX Dispute Merchant : XXXX Dispute XXXX : {$240.00} ( charge made on XX/XX/XXXX ) ( duplicate charge from XX/XX/XXXX ) I initially called XXXX on XX/XX/XXXX to book a one-way ticket ( XXXX ) for travel on XX/XX/XXXX and wanted to apply a {$100.00} travel bank voucher toward the ticket. The full price ticket was {$340.00} - {$100.00} travel voucher = paid price {$240.00}. I provided my CC # to the XXXXe Customer Service Representative ( CSR ) to finalize the purchase. However, I did not receive any confirmation on XX/XX/XXXX that a ticket was issued. I called XXXX again on XX/XX/XXXX and spoke with a different CSR to make the same booking request, and the CSR applied the travel bank voucher and charged my CC in the amount of {$240.00}. Subsequently, three separate charges from XXXX appeared on my CC, one of which ( {$340.00} ) was credited by XXXX. I then contacted Citi to dispute the extra charge of {$240.00} which Citi has failed to do its due diligence to resolve with XXXX. Coincidentally, I also talked to XXXX about the dispute and XXXX claimed they did not see an extra charge of {$240.00} on their end, and instead pointed the finger at Citi. What is undisputed is I purchased a ticket for travel on XX/XX/XXXX ( record locator XXXX ) in the amount of {$240.00} and nothing else from XXXX for that date, and I was charged {$240.00} x XXXX = {$480.00}. XXXX XXXX or Citi wrongfully took {$240.00} from me. I kindly request a reimbursement of {$240.00} to my CC account. Furthermore, Citi and/or XXXX should be held accountable for their lackadaisical effort in resolving this dispute. This is why I am taking the time to submit a complaint to CFPB so that you can assist me in righting a wrong. I can provide additional information as needed. Thank you. XX/XX/XXXX statement XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$340.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - {$340.00} XX/XX/XXXX statement XX/XX/XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE - {$240.00} XX/XX/XXXX XX/XX/XXXX REVERSE XXXX XXXX XXXX {$240.00} New balance {$870.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$870.00} - {$870.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/23 I used my Citibank credit card to pay a {$900.00} payment at my credit union. On the same day, I paid a {$900.00} payment on the Citibank credit card. I now understand this was considered a money transfer and I was charged a {$45.00} cash advance fee, as well as {$16.00} interest charge. I was told by a Citibank representative on XX/XX/23 that payments are applied to the minimum amount due in each category of charges, then to the highest interest rate balance. The minimum payment due at that time was {$83.00} due on XX/XX/23. I also paid another payment to Citibank of {$1000.00} on XX/XX/23, making a total of {$1900.00} paid for the month. Citibank posted and began charging interest on the {$900.00} on XX/XX/23. In spite of the {$1800.00} payment above my minimum payment they only credited a couple of XXXX of that to my highest interest rate balance of {$900.00} leaving {$640.00} subject to a 29.99 % interest rate. Rather they applied it to my much lower balances. I was told they will not credit payments made to the highest balances until the next statement. That seems unfair since they charge interest immediately, but will not apply payments made above the minimum to the highest balance until the next statement where the balance shows, thus forcing the consumer to pay the exorbitant interest rate. I was also informed they charge interest on the interest that has accrued. That seems excessive, greedy, and unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Purchased a refrigerator from Best Buy XXXX Citi backed ) using credit card. Interest deferred for 18 months. Even though I have been making payments since I purchased the refrigerator, they are not applying all of my payments to the promotional balanace. I called them to ask them to do that with all my payments, and they say they can not because it's been more than 60 days. Wasn't there a law passed that said they had to allocate the entirity of a payment to promo balances first? Now, even though I have more than paid off the original purchase, I have a remaining promo balanace of {$350.00}. That does not make sense whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My spouse transfered the balance of.my card to hers for interest free promotion. The amount of {$2900.00} was credited to the wrong account. I requested the amount be credited to the correct account which was not done. I asked for a refund of the amount and the credit was removed in full but not sent to the originating account nor was it issued in a check. This occurred in XXXX and the last conversation I had, after being hung up on by the first representative, I was assured that the redit would appear on the XXXX billing statement. This has not occurred. Clearly Citi intends to defraud me of {$2900.00} as well as the interest incurred on the account as a result of thier fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX I reached out to Citi Customer Service to enquire about a wire transfer for closing on a home. This was going to be about {$140000.00}. I was informed that based on my current status with the bank, I could not transfer more than {$50000.00} at once. The agent offered to switch me to Citi priority status which would remove the limit on transfers. I agreed. The following morning on XXXX I attempted to make the transfer but the system did not recognize my ATM pin. I called a customer service agent who advised me to change the pin and showed my how this could be done from my online account portal. This was the advise of the agent. However, with the agent still on the line, when I then tried a transfer, the pin was not accepted. The agent subsequently said I would have to wait for XXXX for the pin to be updated. Within an hour, i received an email that the pin was reset, so, I attempted to make the transfer. Money was taken from my account but the transaction showed up as pending. After XXXX hours of pending transactions, I called Citi XXXX customer service. An agent walked me through the process and noted that the email address I provided was different from the email address in my portal. I reviewed this and noted that XXXX digits were added to the end of the email address. I shared that I had received an alert that my account may have been compromised about a month before, so I changed my portal password. It is possible someone tried to change my email address. I have hit a wall since then every time I have reached out to Citi to resolve this issue. 'Someone will reach out to you ' is all I have been told. I am not unable to close on the house and I do not have access to my funds. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To whom it may concern I transferred my money from my XXXX XXXX XXXX account to my citi bank checking account to use my funds after I transferred i wanted to use my funds and my account got blocked on XX/XX/2023 today XX/XX/2023 they told me they closing my account and stating i will receive my funds XXXX days im depending on my savings money there was no reason to block my account and now i dont have access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2023 I opened an unsolicited " activate your card '' from my Citi Costco Visa. I did not request a replacement to be sent. Upon opening the letter I immediately noticed a man 's photo instead my photo on my CC. I notice many other wrong, fraudulent, misrepresentation of " Citi '' logo and phone numbers. I have a habit of saving the credit card activation page. When I activate my card I write the day and time on the page and save it until the next activation comes. I drove to the nearest Costco to show them what I had discovered. The young lady was dumb founded. She had never seen anything like it. She said it would be a Citbank issue. I went home called Citibank and asked fro the fraud department. I got a customer service representative who deals with fraud. She checked my account, as I did, to see if there were fraudulent charges and there were not. So, to her the issue was resolved. I still had a fraud issued. Discouraged, I put to rest until the next morning. I began with Citibank only to be told it had to be mistake by the person working in the Costco member photo department, not the issue. I called the Costco membership XXXX XXXX. I get XXXX. She turns out to be the most helpful and the first individual who understands what I am saying to her. She recommended I change my member number and she emails me the shopping history associated with my member number. She cancels the existing member number. She recommends I call Citibank to change my CC #. I do Citibank and speak with XXXX. I explain my situation she sort of understands. She issues me a new a card. I still have a fraud issue which remains unsolved. I call the police department. XXXX XXXX issues and evidence report # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. These inquire ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, these inquiry are listed as all bank nonspecific, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX are listed as Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and on XXXX, XXXX West XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all these are listed as Automobile Dealers, I did not authorize any of these pulls on my credit and I would like to have them removed. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information Sincerely, Enclosures : I would like to see these items removed from my credit report inquiries since I did authorize any of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A