Date Received: 2023-10-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX at XXXX I made a cash deposit in the amount of {$1100.00} at a CitiBank Branch atm at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The atm said due to a technical error we can not accept nor return your cash deposit. And it printed a record stating Im sorry. Because of technical problems, I cant return your cash right now. I immediately called the customer service number provided XXXX the message said that the mobile bank system experienced and outage and would take an hour to restore however that didnt apply to the transaction I was making, and the customer agent said try to make a second deposit. I made a {$20.00} deposit and it cleared just fine at XXXX. No one could help me with this technical error matter because on their end it didnt show the deposit. Which was the point I was trying to make to them if it didnt accept nor return my deposit of course its not going to reflect on their end. I contacted the XXXX police dept to make a police report and they said they dont make police reports regarding situations like these.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90717
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: got an email from XXXX that citi bank said I was over my limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for Citi AA Advantage card through the link in their promotion solicitation email and got declined. XXXX XXXX XXXX XXXX. The decline reasons are not used credit amount and recent open accounts. I fine with the decision if I decide to apply for the card and go to their website solely by myself. However, I made the application because of continuous promotion solicitation I received. I have top tier credit and can be approved for any credit card if credit is the only consideration factor. While Citi AA Advantage keeps sending me the application solicitation emails throughout the year, which gives me a message that, I passed their screening criteria all the time and will be approved for the card. Such emails are misleading, and such message led me to apply for the card. Besides, Citi collected my XXXX in the application. While I am a XXXX XXXX XXXX XXXX XXXX, I am afraid that information could also impact the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78006
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been having problems with my XXXX XXXX for about the last 6 months. After contacting Sears XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which in the beginning was difficult to reach a person ) and after waiting for appointments and parts, the Technician determined that the refrigerator could not be repaired. He was a nice and older gentleman. After not hearing from them like he said they would, I called them back after a week. I finally spoke to the Rep, XXXX XXXX XXXX XXXX she was courteous and explained the options I had available to me and then get back with them ( see email ). She further advised me the option included same specs of my current refrigerator. However, upon further review it was Not correct. I have not been able to get her to call me, but I have sent several emails to try and clear up the confusion ( see emails/pictures included ). I called Customer Service several times, last time XX/XX/ and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and explained my issues. He recommended I send another email and said his Support Team would be sending an email to the Rep too. She later responded by email that evening with the same response that I had to choose from the options given, which is not XXXX. No one has bothered to give me a courtesy call-in spite that I asked to speak with a manager. I feel they are forcing me to take less money. Pardon this analogy but, Sears is offering me the cost of a XXXX for replacement of my XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: no knowledge of this account not mine, see attached idenity theft report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42001
Submitted Via: Web
Date Sent: 2023-10-15
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: Problem with fees
Consumer Complaint: My name is XXXX XXXX, Citi bank closed all my CITI credit without a notification, just before CITI close my CITI XXXX credit card on late XXXX, Citi charges {$95.00} annual fee for my CITI XXXX card for the XX/XX/XXXX to XX/XX/XXXX. And Citi bank has policy to refund all annual fee if the card is closed within one month after the annual fee is being charged. I have called CITI customer service several times and get confirmed by different agent about this annual fee refund policy and get this recorded. Citi charged the annual fee of {$95.00} from my linked XXXX bank account for automatic payment on XX/XX/XXXX, but refuse to refund the annual fee, even I am no longer your customer anymore. This is illegal and fraudulent to charge the upcoming annual fee from XXXX for my CITI premier card but I am no longer your customer anymore after XXXX this year. There is no reason I should pay the annual fee for CITI credit card when I don't have account with you. Please refund the {$95.00} annual fee charged for my Citi premier card on XX/XX/XXXX immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
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: Went to check my credit score and it has one hard inquiry from CBNA that i do not recognize nor did i apply for this. i requested infomation from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still weren't able to give me answers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Went to check my credit score and report and it has one hard inquiry from CBNA that i do not recognize nor did i apply for this.i requested information from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still werent able to give me answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
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 had a Home Depot account that had been closed by Home Depot due to inactivity. The account was re-opened fraudulently without my knowledge, and a charge was made at a store far from my home store. I only noticed when Home Depot collection calls came in. I immediately let them know that this was fraud, and also created an online profile to notify them of the fraudulent charges on XX/XX/XXXX. Home Depot 's fraud department is not responsive, and at first refused to close the account or remove the charges. I visited Citibank, the main bank that owns this credit card, and they had to call the Fraud Department. Finally, today, XX/XX/XXXX, the main charge is removed from my account, but Home Depot is not removing the late fees and interest charges related to the fraud. The Fraud Department hangs up on me or is closed, and Home Depot has been very difficult to deal with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my citibank account in XXXX. There were about $ XXXX remaining balance in my account. I was told that I would get a check for the remaining balance, but I never received it. After a couple of month, I called again Citibank customer service and was told that they'd cut a new check and mail it to me, but I never received it in my mailbox either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A