Date Received: 2023-09-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a notification on XX/XX/XXXX from XXXX XXXX that my CITI Best Buy account was closed, when I called I spoke to 3 people, the first time I was told that it was sent to me via my CITI account, I checked, and nothing. On the 2nd call, the manager ( XXXX ) was so rude that I asked to speak to his manager. Once his manager came on, he told me it was emailed to XXXX. I checked the spam and regular folder in multiple ways, searched by name, date, and anything related to Best Buy or Citi Bank, and nothing. I reached out to the CEO of Best Buy and Citi and spoke to Citi 's corporate team, if I had received notification I would have used my Best Buy card if I would have received notification. I did not receive any notification until the final notification that they are not changing their mind but I can reapply, this not only hurts my credit by closing an account with no notification giving, but opening an account will ding my credit as well. I am opening a business of my own and need my credit to obtain a loan, CITI bank has ruined my credit, I did speak to an attorney, and he advised me before taking legal action to file a complaint first. I have the documentation to provide on what I did receive and my XXXX XXXX notification, which came in XXXX and my account was closed in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023 Citibank sent a letter advising they would be reducing the credit limit due to non-usage of the account unless I called within 30 days to confirm that I still wanted that credit limit. I called on XX/XX/2023, well within the 30 day time limit and asked to retain the limit. The first customer service rep sent through a request to increase ( pulling a credit report without understanding ) and increased the line partially but not the full amount. I immediately questioned this as it was not what was stated in the letter they had sent, and after being bounced around to several different customer service reps, was finally told that the limit would be reinstated to the original amount of {$31000.00}. I was also told that as compensation for my trouble and as an incentive to use the card the interest rate on new purchases would be reduced to 3.99 %. We did not have an occasion to use the card until XXXX, and when we received the statement found that they had not reinstated the limit as they had promised, and again said I could request an increase however did not advise me that would essentially be a credit request and include a credit pull. The chat function on their website is only good for standard requests, and they have no formal of documenting a complaint. Customer service just said submitting a new credit request is my only option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I agreed foXXXX XXXX XXXX XXXX XXXX XXXX XXXX to initiate a {$3500.00} payment to my CitiBank/AT & T ( Universal Card ), to bring that balance down to {$450.00}. ( Now {$0.00} ) XXXX honored the agreement for a {$170.00} fee and sent CitiBank {$3500.00} to be charged to my XXXX XXXX with XXXX 0 % interest. Thus, my XXXX XXXX had a new Balance of {$3600.00}. XXXX reported the New XXXX Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the CitiBank/AT & T Card half of the transaction, which left hidden the {$3500.00} lower balance in the CitiBank Card and didn't report a 20.1 % LOWER CitiBank Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point XXXX Score and somehow, a minus XXXX Point CitiBank/AT & T Score . The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a CitiBank promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the XXXX offer to reduce my {$3900.00} balance to ~ {$0.00}. Then CitiBank chose to REDUCE my Credit Score XXXX points. Wait. What?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
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 was charged two identical transactions, one on XX/XX/2023 and the other on XX/XX/2023 from XXXX XXXX for {$130.00} each. When I filed a dispute with Citi, they indicated that XXXX XXXX claimed both charges are valid, which was never correct. Concurrently, I reached out to XXXX XXXX and XXXX XXXX confirmed they only charged me for one transaction for {$130.00} which was the charge I agreed on. At this point I filed a dispute with the XXXX against Citi for the duplicate charge of {$130.00}. Citi responded to the XXXX complaint with a generic letter that indicated the " findings '' of their investigation, which showed literally a blank paragraph where the explanation should have been. I have brought this up to Citi multiple times since then and they refused to do anything about it indicating their investigation was final.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My Citi minimum payment has been in the {$100.00} to {$150.00} range per month. I currently have a high balance on card so i have been making minimum payments. For the period of XXXX I made a payment of {$150.00} as I have been doing for many months, only to find that Citi had unilaterally increase my minimum payment due to over {$1200.00} ( about 50 % of my balance due. At no point did they communicate this increase or an explanation to me, not through mail, not through phone calls or messages, not even an alert on their website. I have requested a justification for this as well as a humble request to reduce my monthly payment as i can not currently afford over a XXXX dollars in minimum monthly payments. Thus far I have received no explanation from Citi, no assistance in reducing my monthly premium, and no attempt to respond to my good faith attempts to resolve this. At this point, Citi is charging me late fees for not paying my " minimums '' ( again, near50 % of my total card balance ) and are now threatening to report me as delinquent to Credit bureaus despite my multiple good faith attempts to contact them to indicate that is is not an unwillingness to pay my debt, but rather that I can not make that exorbitant and inflated minimum payment at this time. They have treated me with nothing but contempt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
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 XXXX, someone opened an account under my name at BestBuy and purchased ~ {$1300.00} of goods On XXXX, someone opened an account or used my old account under my name at XXXX and purchased ~ {$7500.00} of goods
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
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 was vacationing in XXXX and got a notification on my phone that there were suspicious transactions on my Citibank card. I called the day of the phony transactions and said they were not authorized but thought they were linked to an online transaction that I felt was sketchy and that I may have given them too much info. I attempted to make a purchase on XXXX at XXXX and I received no online invoice until XXXX I then was suspicious that the site XXXX was a scam because they wanted access to XXXX for the amount of {$79.00} ; the amount that was authorized by me for camper parts. I do not have an active XXXX account and I waited hoping nothing would happen. I suspect they were hoping to get even more identity data from me by going to XXXX. On XX/XX/XXXX three fraudulent charges appeared on my Citibank card from a company called, XXXX XXXXXXXX XXXX XXXX, XXXX ( if you try this website it does not work/exist ; 1 Charge : {$48.00}, 2 charge {$130.00} ; 3 Charge : {$170.00} = {$360.00} ). I then received a letter on XX/XX/ from Citibank claiming that I authorized these transactions and that I would have to reach out to the merchant and Citibank told me the website XXXX is a valid website to contact. It is not! XXXX is located in an apartment complex at XXXX XXXX XXXX XXXX XXXX doubt it is real and I refuse to have any contact with them. I know I was scammed by them, I was trying to buy a rare camper part and they likely sold my information to someone who made the fraudulent charges on XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023, while in the process of booking a flight through XXXX XXXX, I was presented with an enticing offer to apply for a Citi AAdvantage credit card. The advertisement was clear : apply for the card, and upon approval, use it to complete my ongoing flight booking to receive {$250.00} in statement credits and XXXX miles after spending {$2000.00} in the first 3 months. On the application form, it stated : " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately '' Trusting these explicit terms, I paused my flight booking to apply and was subsequently approved for the card. However, the company 's system failed to RELIABLY provide me with the promised account number. Citi responded saying that it was my fault because I walked away from the computer, but THEY DID NOT ADVERTISE THE TEMPORARY NATURE OF THE PROMOTION IN THEIR TERMS. When I sought a resolution from Citi 's customer service, they refused to regenerate or retrieve the number, stating it was a one-time display. I also requested this policy in writing for further clarification. This key limitation was neither disclosed in the promotion nor covered in the terms and conditions. Because of the company 's failure to deliver on their promise and their unwillingness to rectify the situation, I have missed out on the benefits of the promotion and incurred an unnecessary credit inquiry that has negatively affected my credit score, as well as a lot of time trying to resolve this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My husband and I initially opened a savings account with CITI Bank. However, because we couldn't transfer funds into this account, we contacted the bank to close it. During the call, we interacted with an automated system and provided my Social Security Number ( SSN ). The automated system mistakenly closed the credit card associated with my SSN rather than my savings account. Consequently, on XX/XX/2023, my credit score plummeted by XXXX points. I tried to call CITI bank to correct this mistake. However, they told me that they couldn't reverse the credit score reduction. Their proposed solution was to reopen the credit card, but this would entail a hard inquiry, causing further damage to my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX. Deposited {$10000.00} to Citibank in XXXX, California. On XX/XX/2023 I Deposited a check for {$4700.00} to Citibank. As of XX/XX/2023, I made XXXX of several withdraws from the account. As of XX/XX/2023, Citibank sent a letter stating that they were terminating my account!! I went to the Citibank branch in XXXX, California, where I questioned the actions of the bank.They supposedly called their Fraud Department, and was told that my {$4700.00} check was fraudulent!! The personal there was good when I Deposited the checks, but became hostile the next XXXX visits there. I visited the Citibank branch on XXXX XXXX, and got the hostile treatment again!! Finally, I went to the XXXX, California branch, where the representative told me that the {$10000.00} was fraudulent?? My account was being closed down and no money will be given to me. Today is day XXXX of the investigation, how much longer do I have to wait for my funds??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A