Date Received: 2023-10-16
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: XXXX of this year I was told that my account was closed because of {$23.00} overdrawn from fees. I contacted the phone number on the paper I received from citi and they told me to either send a check or go to a branch to get this solved. I responded with : I can't go to a branch as I live over XXXX miles to the nearest branch of citi. I was then on hold for about 15 or so minutes. Once the represenative came back, they told me that I can do a money order at the postal service or go to a bank that partners with them and deposit the money there. As I don't have a single place like that near me I chose to send a money order to them. I now have 2 returned useless money orders from them because they keep returning them back to me. After the first return, I then basically tried to get help from close to 5 different people on the phone. They then told me the same thing from the first time but were adamant that I needed to go to a branch ( which I told them I WAS NOT ABLE TO DO THAT. Driving over almost XXXX states to go to a branch for {$23.00} is unreasonable in my opinion. ). They sent me XXXX different addresses ( which DID NOT WORK ) to resend my money order. I had two reps tell me to contact a branch for instructions. I contacted the branch in Virginia as that was the closest. The person before this wanted me to contact a branch in XXXX XXXX XXXX I told the branch person what happened, and they told me a different address to send it to They agreed with me to that going to the branch is an unreasonable option. I was almost told to ignore this over {$23.00} however, that will ruin my financial stance. I refused to do that. I was told the possible reason why I got my money order returned. I sent the second money order to a XXXX XXXX XXXX address. Today, XX/XX/2023, I received the second money order for the same reason on the first one. My bank account was closed. I don't know what to do now. I feel like I'm going to circles with this company now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Remove all Fraudulent Accounts immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I applied for a Best Buy card around XX/XX/. When I was in Best Buy I was approved and was told I got the Citibank Visa that can be used anywhere. I waited for the card in the mail and I did not receive it. When I went back to Best Buy on XX/XX/ to make a purchase they said they could see that I did in fact have a balance available. I called Citibank Customer service and they had all my information incorrect. My name is XXXX XXXX. They have me as XXXX XXXX in their system. They also had my address partially incorrect, they did not have my apartment number on file. When I applied at Best Buy all the information on the screen was correct so I don't know where the discrepancies came from. The customer service rep said she would correct everything and I could go ahead and make the purchase. So I did. Yesterday XX/XX/ I received a text message saying my card was yet again returned because my address was missing information. I spent 4 hours between Best Buy and Citibank trying to explain that they have my information wrong, they said they couldnt talk to me because I am not the primary account holder. I am the only person on this account. I finally got a supervisor at Citibank customer service but they said my account was locked because I called 4 times and I had to wait for a letter in the mail to reset my account. I will not get it because my mailing information is not correct. I am trying to get this taken care of because I don't know the due dates for payment. I do not want this to affect my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made an ACH payment in the amount of {$17000.00} from my bank ( XXXX ) to the credit card company ( Citibank ). Citi shows this credit amount to my account on the same day, XX/XX/XXXX. However, they did not make the amount paid available under my credit limit and when I called to ask about this they said it was XXXX XXXX policy to hold payments. I was then informed that my available credit limit would not reflect the XX/XX/XXXX payment until XX/XX/XXXX, more than XXXX business days following the payment. Meanwhile, my bank account reflects the reduction of funds immediately, since its an ACH payment I know that Citi has the funds, yet I lose all benefit of that {$17000.00} in my bank account ( no interest earning ability ), yet receive no benefit via available credit with Citi. Why should Citi get to hold my money for free for all of those days when they can clearly verify the payments was received? This seems very unfair to consumers. If I dont pay my balance in full they charge me interest so why shouldnt they owe me something when they hold my funds like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have credit issued to me for an overpaid balance. They are refusing to return that amount. I have fought with them over the phone numerous times. They keep hanging up on me and I have not received the amount! Citicards.com.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Greetings, I called XXXX to make payment arrangements on or about XX/XX/XXXX stating that I would pay on XX/XX/XXXX as I had lost my employment and has recently obtained new employment and was waiting for a check in the mail. On XX/XX/XXXX XXXX erroneously and illegally reported a late on my credit file. Right after this reporting by XXXX, my credit dropped drastically by XXXX points. I have had good credit and this one erroneous and illegal incident by XXXX made my credit dropped drastically damaging and negatively effecting my credit file. Note that, I actually paid this bill on XX/XX/XXXX a day prior to the arrangement. This has caused me a great deal of emotional distress and hardship as, to reiterate I had good credit and an excellent payment history with XXXX. This is also causing great deal of emotional distress and hardship, because I am currently looking to move to downsize and this will have a negative impact on my securing a new residence. I am looking to get this immediately removed and I am contacted all of the credit agencies. I am also looking into why would my credit fico drop so drastically just by one credit card company reporting a late. Sincerely, XXXX XXXX XXXX. Ref : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: For the billing period from XX/XX/XXXX to XX/XX/XXXX, the payment amount of {$5400.00} was due on XX/XX/XXXX, which happened to fall on a Sunday. I promptly made the payment to clear the statement balance. However, due to the Sunday timing, the payment didn't post to my account until Monday, XX/XX/XXXX. To my surprise, on XX/XX/XXXX, I noticed a charge for interest amounting to {$120.00}, and then another interest charge of {$91.00} on XX/XX/XXXX. In my attempt to resolve this issue, I reached out to the customer service team numerous times. Unfortunately, the customer service was provided by off-shore representatives. Despite speaking to XXXX different supervisors, I received varying explanations, neither of which I could fully comprehend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was online looking at cars in I never gave anyone permission to run my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This complaint relates to my Citi XXXX credit card number XXXX ; I paid Citibank interest upfront on a number of 'balance transfers ' on my account. These balance transfers then charge no further interest until the expiration date. Citi 's policy and a legal requirement is for payments on my account to be applied to the balance ( s ) with the highest interest rate first. This did not happen multiple times. Citibank applied my payments to balances with low interest rates, while there were balances with higher interest rates on the account. I then had to pay interest rates of over 24 % on balances which I had repaid because Citibank allocated my payments to balances with zero or low interest rates.
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: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Not quite sure but somehow, my credit card account was changed from regular postal mail to paperless billing. Because I check my email rarely only when I expect email, I was not aware of the bill and was charged two months of late fees and interest. On XX/XX/XXXX, Citi finally sent me a postal notice saying that my account was past due and I quickly paid the balance of the charges once I received the letter on XX/XX/XXXX. I also figured out the issue and was able to stop electronic billing. However, because of that I had two months of late fees and finance charges. I was able to get the finance charges waived after speaking with the CSR, but could not get the late fee waived.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A