Date Received: 2023-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened up an account with Citi bank on XX/XX/XXXX deposited a check on XX/XX/XXXX soon as I tried to use my debit card they locked my account they told me a letter with a reference number was sent out I never received it here it is XXXX which I've been calling them every week still no letter this morning I talked to a supervisor which he told me they only sent out one letter but the employees were saying they sent me another letter Everytime I called now the supervisor is telling me they only sent out one letter and can't send but one letter now I have to wait up to 3 months for them to do a investigation which I don't understand why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Citi bank- Best Buy made an hard inquiry on XX/XX/2023 that I did not consent to or know of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On my XXXX Citi Costco Anywhere Visa statement there was a questionable late fee of {$30.00} and an interest charge of {$32.00}. I contacted XXXX. who agreed and waived the late fee and interest charge and those credits showed up on my XXXX bill. But also on my XXXX bill, it also showed I owed {$8.00} interest! I called and XXXX XXXX said she'd credit me this " residual '' interest charge - residual from the {$32.00} above! I had never heard that term and that sounds ridiculous. ( The explanation sounded like while they credited me back interest, they did so at a time that it was in 2 different billing periods so the " credit '' of {$32.00} only covered one billing period but not the other even though there was only one interest charge in 1 billable month time frame : / ) So, she said she credited it - fine - lots of my time spent for this. Then I add up my charges so I can pay my bill and it doesn't add up to what they are saying is owed. Somehow, there is {$1.00} additional owed. I look at the statement and it says 2023 Interest is {$9.00}. Which is the {$8.00} ( that was just credited ) plus the mysterious {$1.00}! I get back on the phone with Citibank. XXXX explains that since I took an offer of a lower interest rate for a promo time, that some of the interest was on one rate and some ( the {$1.00} ) was on the lower rate during the same billing cycle and for standard purchases. ( Did I lose my mind? ) Anyway, she would not credit me that {$1.00} as she said she couldn't BECAUSE it was my choice to take the promotional offer! Citibank has been a decent company to work with, but not sure what is going on now with them. It may only be a few bucks to me, but that times a XXXX customers amounts to XXXX for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Hi my name is XXXX XXXX and I recently had my credit card balance decreased without my consent. The decrease has severely impacted my credit. Because the credit card company decided to decrease my credit limit to the actual usage I had on my cards and maxed out my credit limit. This is unfair to the consumer and has ruined my credit score. I have always been responsible with my credit accounts and was never late. I only recently was late once on one of my accounts and that was due to me being hospitalized. It was completely out of my control. I am requesting a goodwill review of my accounts with Citi. One of my accounts I have been a customer since XXXX and have never had any issues. The most recent Ive been a customer since XXXX. Please reconsider restoring my credit limits back to where they were this is impacting me financially in a major way. Citi decrease my credit limits on all 3 of my credit cards without pre-warning me and when I called the bank to resolve the issue. They only restored my original credit limit to one of my cards and left the reduced limit on the other two. This is really impacting my credit score causing undue hardship. The accounts that were impacted are ending with XXXX and XXXX. Citi I am asking for a goodwill consideration to restore my credit card limits back to where they were on these two accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Statement Supporting my Appeal to the Denial of my Fraud Claims with Citibank XX/XX/XXXX XXXX ) I am a signatory on the Citibank checking account on which this fraud occurred and the person initiating this fraud claim appeal. XXXX ) I have a checking account with Citibank , N.A . located at XXXX and XXXX in XXXX XXXX, California. XXXX ) On XX/XX/XXXX I wrote a check to XXXX ( a XXXX man operation ) for {$19000.00}, dated XX/XX/XXXX for the purchase of equipment and materials by this XXXX for the purpose of installing a new heating and air conditioning system at my residence. XXXX ) Because XXXX requested another form of payment, the check was voided by the printing of the word VOID across the entire face of the check in large, clear, handwritten print ( A copy of this voided check, entitled Exhibit A is attached to this document ) XXXX ) Apparently XXXX, who gained possession of this check which was clearly voided, was able to fraudulently apparently cash it at a Citibank branch on XXXX XXXX without my knowledge, consent or approval, and totally against my wishes. XXXX ) I didnt discover this fraud had taken place until XX/XX/XXXX. That very same day I filed a fraud claim with Citibank. The Citibank form I completed was entitled Statement of Unauthorized Use in cases of Forgery, Alteration, Counterfeit or Unauthorized Remotely Create Check. XXXX ) My initial claims and appeals with Citibank were denied. In this document I am appealing all previous denials with additional documentation to support my claim of fraud. This appeal now includes the following documents : ( A ) This document detailing all the circumstances surround the fraud ( B ) A copy of the initial fraud claim I filed with Citibank ( C ) A copy of the voided and cashed check ( D ) A copy of the police report I filed ( E ) A copy of complaint I filed with Consumer Financial Protection Bureau 10 ) As a professional banking institution, when Citibank cashed this voided check, it breached its legal duty to exercise ordinary reasonable care in the handling of the check and is now liable for its unprofessional and negligent actions. XXXX ) Citibank is therefore now legally responsible to compensate me for my loss caused by its actions by restoring the money I lost when it negligently cashed the voided check : {$19000.00} XXXX ) This document is intended as a formal appeal to all previous denials of my claims and appeals regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need to re-document and refile this grumbling to MACYS/CBNA.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I attempted to close my Citi card on XXXX. At that time there was a late fee and an annual fee charged to my account. I spoke to no less than 5 representatives, and in each instance I had to explain my issue and verify myself. I finally got to someone who was able to assist. She told me at that point she could close out my card and refund the late fee, but that the annual fee would need to go to be reviewed. I never received any type of communication regarding the annual fee until I started to get collection calls on my account again. I called Citi card back again the last few days of XXXX, spoke to no less than five representatives again, verified and explained the issue to each of these individuals and was told that they denied the refund of the fee. I again asked to speak to someone who had authority to refund the fee. I was transferred again, at this point the women told me she would refund the annual fee and the interest and it would be reflected on XX/XX/30 as a XXXX balance. I again began receiving collection calls this week. So today, I answered when they called, was transferred twice, verified twice and explained the situation. I was told that my only options were to pay the fee since they can only refund the annual fee within 37 days of it being charged and it was 49 days when I originally called on XXXX. I asked to speak with a manager and was transferred to a gentleman in Arizona who told me that he could only refund the interest charge, but I would need to pay the annual fee. I asked to speak to a manager and I was told that no one was going to be able to refund the fee for me. I comepletly understand rules, however we are talking about 12 days, there hasnt been any charges on the account in over 6 months and I did not use any benefits of the card in those 49 days. I am hoping that this complaint can try to get my request in front of someone who can assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023 I walked into my local CITIBANK branch located on XXXX s. XXXX with a cashier check in the amount of {$15000.00}. XXXX XXXX was the banker who assisted me in opening my new account. I told XXXX XXXX about the issue Ive been having with another bank that why the money was issued to me in a cashiers check. I had recently closed an account with XXXX BANK and wanted to start an account with CITIBANK. XXXX XXXX assured me that he was going to take care of me and everything was going to go smoothly. I gave XXXX XXXX my information plus my check he came back with a receipt and told me my card was coming in the mail by XXXX the next day and o would be able to come into the bank the following day which was XX/XX/2023. The next day I came back to the same branch to try to retrieve funds from my account and the bank teller says that there was an hold on my account and the check I received from XXXX XXXX wasnt real. I immediately became suspicious and upset. The XXXX at that branch was very rude and disrespectful. As I was trying to contact XXXX bank on my cell phone to assure the XXXX at Citibank that the cashier check was legitimate he pursues to call the police on me and told the police officers to remove me from the premises and I was no longer able to return. As I was still on the phone with XXXX they told me just come to their branch the next day and they would cancel the cashier check and issue me another one. Today XX/XX/2023 I went to the XXXX XXXX on XXXX XXXX XXXX who initially gave me the cashier check and they informed me that CITIBANK had cashed my cashier check and that they had my money. I proceeded to call CITIBANK while still in XXXX the customer service agent told me I had to go back to the branch where I started my account with. So I proceeded to the CITIBANK branch on XXXX XXXX and as soon as I walked in th XXXX proceeded to call the police on me. Now CITIBANK say they put a hold on my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Working to resolve and pay my bill but going through financial hardships now and company will not assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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 submitted a dispute with CITI for a credit card ending in XXXX back in XX/XX/2023. All the disputes have resolved except for a few. The disputes that have not yet been resolved are : {$560.00} XXXX on XX/XX/2023 and XXXX XXXX on XX/XX/2023. They have provided temporary security credit but as of XX/XX/XXXX, they still have the investigation open. They let me know on XX/XX/XXXX, they have no been able to reach the merchant XXXX What is frustrating is that all other transactions from this merchant have been disputed and investigation closed as fraud except for the above XXXX. As I told CITI multiple times, through their Executive Response team, that I have not used XXXX and I have not travelled to XXXX, where this charge was made. I can prove this easily via my XXXX XXXX card, a federal program that tracks where travellers go and provides them with easy access to other countries. I have not left country ( as proven by them ) and yet these charges are still under investigation, when its clearly fraud. I was making charges in California same day as these XXXX charges in another country were made by a fraudster. Clearly, Fraud! Its been over 90 days since CITI has been working on this, well past the FEDERAL LAW WHICH STATES : " Within 90 days of getting your complaint, the issuer must resolve the dispute. '' ( this is from : https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges # exercise ). They are in total violation of the federal consumer law that protects me from credit card fraud. I require a permanent refund/credit for the amounts above from XXXX and the investigation to be closed. I am totally unsatisfied by how slow this process has been, despite escalations and multiple complaints.
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A