Date Received: 2023-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX, XXXX, 2023, I opened online XXXX accounts with Citibank, XXXX checking and XXXX savings. From their website, through the XXXX XXXX, I transferred {$40000.00} to the checking account and {$5000.00} to the savings account. XXXX days later, Citi did not have the funds on my online account, so I called them to get some information. I was told that both amounts were not showing up on my accounts and the reply was that they were not showing as incoming either. During the exchanges with several agents of that outsourced center, I realized that the level of service at this bank was not what I was looking for and decided to close both accounts. This was done via a chart which I kept as a record. The agent confirmed in writing the closure of both accounts. A couple of days later, I noticed that only the checking account had been closed, but not the savings. Instead of bouncing back, the {$40000.00}, Citi directed them to the savings account ( in opposition to the instructions given by XXXX ). As their website indicated errors every time that I was trying to transfer back the {$45000.00} to my XXXX account, I spoke to numerous supervisors. XXXX of them advised me to start a transfer from XXXX, which I did, but that person omitted to inform me that the maximum amount allowed was {$10000.00} per day and {$15000.00} per month. I transferred the {$15000.00} to the original XXXX account and another {$15000.00} to my Citi credit card account, but afterwards Citi blocked access to the {$15000.00} balance. I was told that my account would be closed ( which was my request on XX/XX/XXXX ) and that a cashier 's check would be sent to me. I was also advised by a supervisor to contact XXXX so they could file a Hold Harmless Claim. I followed that advice but XXXX claim dept and their escalation dept advised me to ... contact Citi as there was nothing they could do. Today, a Citi supervisor told me that my money would not be sent to me and could not tell me why as she was not a banker and they were not trained for this at that center. She repeated that I should contact XXXX to make a Hold Harmless Claim. XXXX supervisors insist that they can not file a " Hold Harmless Claim '' as the transfer request was initiated by Citibank and I was also told that Citibank has XXXX of the worst reputations for that kind of issue in the business. I am still receiving bank statements showing the {$15000.00}, as well as added tiny Supervisors. XXXX days after I requested through a ( saved ) chat the closure of my XXXX account, I am being told that this account is still not closed and that Citibank will " decide '' when to close it! I also have a letter from Citibank dated XX/XX/2023 indicating " Your Citi account ( XXXX ) will automatically close within 60 days '' and explained that I " violated the terms of your account per the client manual '' when I scrupulously followed the Citibank supervisors ' instruction and only received the manual way after I made all transactions. I am under the impression that Citibank is running a scam, as they have been holding my money for XXXX days for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Account Opening Date : XX/XX/XXXX Initial Funding : {$10000.00} A detailed timeline and summary of the events are as follows : XX/XX/XXXX : Opened a new checking account, having been directed from a page advertising a bonus offering, and funded it with the requisite {$10000.00} ( among the other steps that popped up after the initial opening ) XX/XX/XXXX ( 114 days later ) : Bonus not deposited into my account as promised per the terms of the offer. Upon realizing that the promised bonus was not credited, I sought resolution through the following channels : Initial Customer Support Interaction : Outcome : I was informed that no bonus was linked to my account and was advised to fax the bonus details to a specified fax number, after which the representative promptly ended the call. Engagement via Social Media ( XXXX ) : Outcome : Upon explaining my situation to Citi representatives on XXXX, I was simply redirected to call the initial customer support number the same one that previously yielded an unsatisfactory resolution. My efforts to resolve the issue through the suggested channels have been unsuccessful and unsatisfactory due to the absence of a supportive and problem-solving response. The lack of acknowledgment and action regarding the promised bonus not only contradicts the advertised offer but also demonstrates a considerable gap in customer service and support.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have filed a dispute with the dispute department against XXXX for items I did NOT RECEIVE. The purchase is dated XX/XX/XXXX, posted XX/XX/XXXX in the amount of XXXX. Case # XXXX When I contacted the XXXX to cancel he advised me to contact customer service and when I did, customer service advised me they can not cancel or reimburse me. I contacted them 3 separate time and they stated Im not eligible for a reimbursement although I didnt receive the items and the order not being canceled correctly. Due to them not providing me assistance and denying my request to cancel I decided to dispute it through citi, my bank. I DIDNT receive the items and order was closed, Citi has allowed for the transaction to still go through. They are allowing fraud on my account. When I called today I was told I can only appeal the dispute by mail, which takes 5 business days to receive and another 5-10 business days to process. So I have to wait almost a month for reimbursement on a dsipute they did not handle correctly to begin with. I recently received funds from a family member and I can not even access the funds due to their negligence because it all went to that negative amount and its putting me in an even deeper financial crisis. All I wanted was for them to dispute that charge and not allow fraud for failed services to my account and they are not willing to help and provide a 3-4 week turn around time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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: i m paying my accounts full every month and i submitted dispute with citi about a fraudelent so called hvac person who came and charged me and did nothing at all and had no clue what he is doing and had no clue to even diagnose.. citi not only rejected my disputed, but started threatening me to send my account to agencies though the amount was already in full paid by myself THIS IS UNACCEPTABLE TO SEND SUCH LETTER WHEN I ALREADY PAID MY ACCIUNT AND THE AMOUNT ITS ABSOLUTELY OUTRAGEOUS i have credit score of XXXX and never ever had a late payment and i have been abused by citi by letter threatened i m having my account send to agency, while the amount was fully paid and i have automatic payments full balance each month whatever i write here can be verified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77381
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Account was blocked to give the XXXX. Even after providing all the required information ( they confirmed they received the information ), still account is in blocked state. Every single day, Im calling them and they are saying they got all the information and will take 24 to 48hrs, but still it is in blocked state for the last XXXX weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I called Citi to report fraud on my credit card. They had sent me messages about potential charges which I was able to catch before they went through. I mentioned on this date by way of phone as well that although they caught most of the fraud charges HOWEVER XXXX total charges for {XXXX for " XXXX XXXX XXXX XXXXXXXX XXXX '' ( so XXXX total ) were pending. They said " don't worry about it, it will drop off ''. On XX/XX/XXXX I called to let them know that these charges did NOT drop off but posted. They started a fraud dispute. On XX/XX/XXXX, Citi requested I sign XXXX sheets of paper which I sent back by way of email to XXXX on XX/XX/XXXX for the XXXX charges. See attached for the exact XXXX sheets of paper i sent back. ( This likely confused Citi because they stupidly asked for the same EXACT paper to be signed twice with the same exact dispute number which was XXXX, don't you think since it was XXXX transactions I would need to sign XXXX different pieces of paper with different numbers? ). On XX/XX/XXXX, I took a screenshot of the dispute portal because it switched to " Thanks for sending us more info '' for XXXX fraud charge, while for the other fraud charge still stated " We need more info ''. See screenshot XXXX! Thinking that was weird, that XXXX charge moved to " Thanks for sending us more info '' and the other didn't, I resent the XXXX sheets of paper a XXXX time on XX/XX/XXXX. Today XX/XX/XXXX, I noticed that Citi reversed the fraud credit for XXXX fraudulent charges while issuing a credit for the other one. On XX/XX/XXXX I called with an attempt to get this resolved and was transferred at LEAST XXXX times with no direct success. As of today there is still a reversed XXXX bill on my XXXX card ( the other credit for the other charge was successful ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I noticed an inquiry from CITIBANK NA/THD Date of Inquiry XX/XX/2022. I submitted a written, certified letter to XXXX that this was not an approved inquiry. I also called Citibank Na/THD and they agreed to send a letter to explaining that they did not have any authorization on file to pull a hard credit report and requested the inquiry be removed. XXXX has chosen to ignore this information and to provide any further investigation after repeated letters/calls and attempts to have this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
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 caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My name is XXXX XXXX I have an account with Citi bank and my account was compromised through fraudulent activities, through XXXX. A total of {$38000.00} was taken from my account XXXX XXXX dating back from XXXX to XXXX. This was brought to the banks attention they denied compensation.I then requested them to reopen the case and I sent multiple supporting documents. They had started giving back partial credit which amounted to around {$6000.00} this was later taken back from my account stating there wasnt enough evidence to support the investigation. I really need some help in getting my money back from Citi Bank. Please if theres any other resources I could use or get please contact me XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed a Non-Authorized Hard Credit pull on my XXXX credit report that was pulled on XX/XX/2021 by CBNA. I contacted XXXX immediately via certified mail that this was an unauthorized release of my credit report and to please investigate and remove it. I also called CBNA and spoke w/their credit department. They verified they had NO Information on the credit report request. They told me they would send a letter to XXXX so the inquiry could be removed. This has been going on for years with XXXX with no resolution. I've requested proof that they have completed a full and documented investigation and this has NEVER been supplied to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : MACYS/CBNA XXXX XXXX XXXX ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A