Date Received: 2023-09-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am a XXXX XXXX XXXX retiree on Social Security and was a Victim of 2 Apartment Frauds through my Citibank Account 1st was a XXXXCitibank Fraud and Citibank helps the Criminals the 2nd was an Apartment Wire Fraud through my Citibank Account and Citibank again is of No help. Then Citibank FROZE my account I am a XXXX XXXX XXXX retiree on Social Security my SS goes to Citibank and they Froze my Account I can not pay rent, buy Medicine or even food I have NO ACCESS to my SS Funds for over a Month. Citibank Lies said they sent a Letter to verify me it came with no reference I even tried going into a Citibank Brance with my Passport, Drivers License, SS card, Medicare Card and Birth Certificate they will NOT help me close my Account. Not only did I become a Victim of Fraud Citibank has Locked me out I am Homeless because of Citibank. For GOD sake please help me. Account Number # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Getting a line of credit
Subissue:
Consumer Complaint: In XX/XX/XXXX, I applied to CitiBank for a balance transfer card. An account was opened but never funded. I tried again 6 weeks later with the same results. In XX/XX/XXXX, I requested the account be closed. On XX/XX/XXXX, CitiBank emailed me with a confirmation of that closure. Yet I continued to receive constant phone calls requesting repayment of the loan that never existed. In XXXX, XXXX, I had my attorneys send cease and desist letters to the bank. That stopped the daily calls and left an occasional letter. In XX/XX/XXXX, six months after the above, the bank sued me for the same non-existent loan. I reported that to my attorneys who sent me to you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
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: In XX/XX/2023 I received my first bill from a Citibank AAdvantage Credit Card ( last XXXX of card XXXX ). On the bill there were XXXX charges of {$5.00} from XX/XX/XXXX and XXXX charges from XX/XX/XXXX for {$5.00} to a XXXX XXXX XXXX XXXX XXXX. I immediately reported these charges as fraud and closed my account. Since then, I am still receiving bills from Citibank claiming I have a past due amount and late fees totaling near {$100.00}. I have filled two more fraud reports on the same issue, first one on XX/XX/XXXX at XXXX XXXX and again on XXXX XXXX at XXXX XXXX Citibank is still sending me bills without letting me know anything about the fraud report that I have filed 3 times now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37919
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: citibank must delete the goodyear account or update the balance to {$0.00} because XXXX and XXXX keeps coming back as balance reporting correctly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card issued by Citibank, i.e. Citi Simplicity. Citibank offered a Promotional rate of XXXX XXXX XXXX expiring XX/XX/XXXXXXXX In XX/XX/XXXX, I took advantage of this offer and charged transactions totaling {$5000.00} A balance transfer offer was extended. Citibank offered a Balance Transfer offer of XXXX XXXX XXXX expiring XX/XX/XXXX On XX/XX/XXXXXXXX I took advantage of this offer and made a Balance Transfer of {$5200.00} + 5 % one time fees of {$260.00} My intention was to pay off the Promotional transactions in their entirety before the expiration date ( XX/XX/XXXXXXXX ), so that would leave ONLY the balance transfer to be paid off by XX/XX/XXXX. I made a {$2500.00} payment on XX/XX/XXXX, intending to make a subsequent payment by XX/XX/XXXXXXXX to bring that balance down to XXXX. I contacted Citibank after making this payment, and was told that my payments would go FIRST to the LOWER RATE ( XXXX % ) balance, and once that balance was paid, then payments will go to the next higher ( XXXX % ) rate. I feel that Citibank should NOT be offering promotional rates/balance transfers where there is an UNFAVORABLE application of the payments made by the cardholders. Citibank offered me a balance transfer that clearly I intended to pay by XX/XX/XXXXXXXX If Citibank had been transparent and explained this in BOLD LETTERS and not in footnotes, I would have had RELEVANT information that would have helped me make INFORMED decisions. Hard to believe that the Federal Government lets them get way with this. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had a balance of {$310.00} remaining on my account to be paid before the end of XXXX. It was paid by the end of that period and should have been paid with my payment on XX/XX/2023 of {$310.00}. I put it in for payment for arrival before the due date stated of the XXXX. On XX/XX/2023, I initiated another convenience check for {$1000.00} as it advertised to give me a year to pay it off with 0 % interest for 1 year from the date of use ( with 5 % fee ). When I received my statement, I realized that Citibank had applied my payment to the newly established balance that was to be paid in the coming year and NOT to the prior balance that needed to be paid in order to receive the 0 %. It was now incurring interest. I called Citibank, XXXX XXXX XXXX ) to ask that this error be corrected. The customer service rep told me it was not a mistake, that was how they did things. She was hard to understand and hard to hear and said she could not call me back. I asked several times to speak to a supervisor and finally got a person who told me it was not right, would be corrected within 9 days and I would NOT be charged interest. So after long holds and many transfers, I hoped for the best. I then get emails from Citibank ( XXXX XXXX, XXXX ) that indicate this is not so, but might be after reviewed and should be taken care of. They also called and I relayed what their reps had stated about it would be taken care of, that no interest would be charged and their normal procedure it seems if no one complains and can't be deterred. I also let the person I spoke to on the telephone know that my issues were not with their customer service phone personnel who only responded as they were able, but were with the executives and policy makers at Citibank. This all seems fraudulent to me. If no one complains they get XXXX XXXX from many because of it. Even complaining they don't seem to comply. I do not understand why it was not immediately resolved as it seemed an error on their part. To date, I get emails when I inquire on status, but no resolution. I checked today as I have a new statement and it shows interest charged on the balance that should have been paid with my payment. I have a number for my original email from Citibank ( XXXX ) if it is helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Citibank N. A. located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX, issuer of the Citi XXXX XXXX AAdvantage card is purposefully and knowingly applying extra payments in excess of the required minimum payment to balances with lower interest rates instead of higher rates. The Credit Card XXXX of XXXX prohibits this practice. I have called numerous times and the customer service reps admit that the excess payments are being applied incorrectl but no resolution when request for pyaments to be applied appropriately are escalated. I received a notice from Citibank on XX/XX/XXXX that states " payments amounts greater than minimum due are applied to balances with higher APRs before balances with lower rates '' however, they are not doing so. they are purposely, knowingly cheating their customers and unlawfully making millions. Citi bank has been incorrectly applying extra payments ( not counting minimum payment ) since XX/XX/XXXX to date on my account ending in XXXX : XXXX {$1000.00} XXXX {$300.00} XXXX {$2400.00} XXXX {$600.00} XXXX {$300.00} XXXX {$930.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1300.00}. Since XX/XX/XXXX, my balances and interest charges have been inaccurate. I need your help since my attempts to resolve it myself have been unsuccessful. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: CitiBank closed my account because a check bounced in XXXX, XXXX. There were additional available funds ( just over $ XXXX ) which I have asked when I will receive. I was shut out of online access. My last statement, which was provided to me after many phone calls, indicates that the remaining balance was withdrawn. I did not withdraw it. The bank did. I have called so many times, first from the customer service department to the fraud department because of the bounced check. I have been told by the fraud department to contact the customer service department. They in turn send me back to the fraud department. I am in vicious circle between the two and no one will provide me any answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: My identity was stolen when I was arrested for prison in XXXX to XXXX. The prison coordinators says the will mail my wallet to my address with my ID, social security, bank debit cards, business credit card, and debit card and my personal credit card all was in my wallet. I nerve received it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I looked on my credit report and it says that i have a past due balance of a credit card that i never owned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A