Date Received: 2023-09-23
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received the citi credit card which was never applied by me. The card was already charged over {$6000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had to renew my debit card in XXXX but I didn't receive my card until XXXX and it was locked XX/XX/XXXXXXXX XXXX in the year. Now I have a lock on my account and Citibank won't release it. I am currently stranded in XXXX XXXX with no way to live. As soon as I got my new debit card and unlocked it someone locked it again. Now I visited the XXXX with an unlocked debit card that got locked again. I don't have a U.S. phone number to confirm. My dad has my U.S. phone ( XXXX ) XXXX. I have a XXXX number. I cant check mail in U.S. I need my stuff unlocked. My number in XXXX is XXXX. My name is XXXX XXXX XXXX. I am a XXXX Sergeant in The XXXX XXXX. I need all my accounts unlocked for my medicine and treatment as well as my basic needs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I live in XXXX XXXX, where my Citibank account was located, from XXXX until XX/XX/XXXX, when I left for XXXX to care for my XXXX XXXX XXXX mother during the pandemic. I thought it was temporary, but during the following year she became unable to live on her own, so I stayed with her while retaining my LA apartment, where I still received mail. I received an email from Citibank on XX/XX/XXXX with the heading " Your Account Has Been Placed in Inactive Status '' informing me " A new notice or letter about your account is now available in Statements & Documents. '' Following the " view your letter now '' link results in " Looks like there are no documents available. '' I opted for " no paper '' communication with Citibank, have accessed my account online regularly for the past year, and spoke to at least one officer to make sure my account was in good standing as I wasn't doing any banking transactions. I was assured I had no cause for concern as I was still accessing my account online. While Citibank sent me mailed notifications telling me that my account was in danger of becoming inactive, apparently they couldn't be bothered to contact me by email until after they made my account inactive. There are no Citibank branches in XXXX, so I can't appear in person to resolve this, and as my mother has just died, I need to remain in XXXX to handle her estate. Citibank has told me the only way to activate my account is to " maybe deposit some money into it, '' which was the advice I received in a chat session ( uh, no thanks - that's what ransom is ) or mail them a letter updating my address and asking for an updated last contact date, which I've sent by Priority Mail, but there's no person to directly contact regarding my account. I want to formally protest Citibank making my account inactive when I had initiated contact on the Citibank site to check my account and download monthly statements in the past year. I can see that my having to mail them, with no ability to contact anyone specific, is basically a futile attempt to reclaim my account balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 014XX
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 am writing regarding a dispute of a charge of {$41.00} from XXXX, XXXX on XX/XX/23. On XX/XX/23, we attempted to use the " XXXX XXXX '' XXXX app to book a parking space in XXXX XXXX XXXX for the following day. We have used this app several times successfully in the past. However, on this occasion, the app malfunctioned. Our reservation didn't show in the app any time on XX/XX/23 or the morning of XX/XX/23. I took a screenshot on the morning of XX/XX/23 ( provided to Citibank ) to prove that the reservation was not showing up in the app. We also never received a confirmation email, as we had every previous time we used this app. On the morning of XX/XX/23, we wanted to cancel the reservation because it was no longer needed. XXXX XXXX XXXX Terms and Conditions allow for cancellation any time up to the start of the reservation ( XXXX XXXX XXXX also provided to Citi ). However, without it showing up on the app, there was no way to cancel it, and XXXX XXXX doesn't provide a phone number to call. Since the reservation wasn't showing up and we didn't get a confirmation email, we assumed it never went through. We didn't realize that we were charged for this reservation until XX/XX/23, when it showed up on our credit card statement. We immediately contacted the merchant by email but they were unhelpful and quickly became unresponsive. Multiple attempts to dispute the charge with Citibank have been unsuccessful. They claim we havent submitted evidence that we attempted to cancel the reservation. However, it was literally impossible to cancel the reservation because there was no evidence it existed until after it had already expired. This should be treated similarly to an undelivered product or service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07450
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: 2023-09-21
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: Citibank and XXXX XXXX XXXX Credit cards have been charging me interest and fees on a BALANCE TRANSFER I DID NOT OPEN. I have made several complaints to the CFPB, FDIC, Comptroller of Currency, and Ombudsmans office as well. This is messing up my credit, costing me thousands of Dollars and causing me mental anguish! Im sending the original complaint with the CFPB. Along with several credit card statements proving the trail of fraud XXXX and CITIBank have been perpetrating against me since XXXX XXXX XXXX. XXXX was found guilty of major fraud against their customers this past XXXX in a federal judgement. I am just another victim in their fraudulent dealings! I need someone to help me please!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: We opened and funded our Citi Accelerate Savings account on XX/XX/XXXX. With this account, we were promised a {$450.00} promo if we met certain criteria. We met with all criteria but Citi is refusing to honor the promo credit. We have inquired by telephone ( numerous times ) and formal letter dated XX/XX/XXXX. Citi responded with letters dated XX/XX/XXXX and XX/XX/XXXX, by saying our " money Market account '' was not eligible for the promo. We don't have a money market account, we have a " Citi Accelerate Savings '' account. We are seeking your assistance in rectifying this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was not able to access my online banking so I called Citibank XXXX. The directed me to fraud account. They told me I can not have any access to me access and that they would send me a letter in XXXX to XXXX days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Weekly, I receive letters for balance transfer from Citibank. This includes a balance transfer letter received today for {$7900.00}. Also today, I received a letter from Citi stating they are unable to approve my application based on informaion received from XXXX. I attempted to make contact with both companies today and all I received were automated responses. I have worked hard to maintain my credit and this is where I take action. In reaching out to ethier company they are required to provide me with negative information that was used to deny an application pushe on me for a balance transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a deeply concerning matter regarding my recent experience as a new customer with Citibank. I opened a Citibank account online in XX/XX/2023, attracted by a {$1.00} Cash Bonus promotion for new account holders with {$75.00} of deposit. Unfortunately, my experience has been far from satisfactory, and I am turning to you for assistance in finding a resolution and fair compensation for the issues I've encountered. As per the terms of the promotion, I diligently followed the provided links and deposited {$75000.00} into my Citibank account. I ensured that these funds remained untouched for the required qualifying period, with the expectation of receiving the Cash Bonus as promised on XX/XX/XXXX. To my great disappointment, I have not received the promised Cash Bonus as of today. Despite my multiple attempts to resolve this issue through Citibank 's customer service channels, including chat and phone support, I was met with frustration. Citibank representatives informed me that there is no record of the promotion being linked to my account, which is perplexing given that I meticulously followed all the necessary steps during the online account setup process to qualify for the promotion. I kindly request that the CFPB investigate this matter on my behalf, recognizing the documented steps I took to participate in the Cash Bonus promotion and ensuring that I receive the Cash Bonus as originally promised. Additionally, I believe that fair compensation for the inconvenience, financial loss, and time spent trying to resolve this situation is warranted. I trust in the CFPB 's commitment to consumer protection and ask for your assistance in addressing this matter appropriately. I will cooperate fully and provide any necessary documentation to help resolve this issue promptly. Thank you for your attention to my concerns. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: MY DAUGHTER WAS RACIALLY/GENDER PROFILED TODAY IN A BEST BUY STORE IN XXXX, OHIO My XXXX was added as authorized a couple of months ago on my Best Buy Card. She went into the Best Buy store in XXXX XXXX Ohio today to make purchase for a XXXX '' XXXX XXXX XXXX that we had been discussing. When she got inside the store spoke not only XXXX not XXXX but XXXX people whom could not did not want to help her due to her XXXX XXXX XXXX, They continue to pass her off while I was on the phone they continued to conflicting information which all was untrue, then when I requested to speak with all of them they would not take the call. Then she ask to speak with the supervisor who totally ignore her I tried calling the store and got the run around. Then my daughter was told to just order online and pick it up when I have a paid in XXXX XXXX XXXX membership which her delivery and install is included now that you have degraded my daughter and treated her like trash i seriously considering cancelling my card for this reason and the next. I made a XXXX payment on the XX/XX/2023 XXXX via bank and XXXX via debit card. When she tried to do order on line it declined I tried it it declined why hold up payments and credits XXXX day later. This unethicle to hold payment to gain interest on my money and not allow my card to be freed up. So not only was my daughter treated like trash from the low grade employees with bad attitude unwilling to help and my daughter and myself was treated like trash by the store manager who looked like he did not want to be there. I called customer service 8 times no help I ask for citi bank they transferred me to banking. Now not only were we treated like trash in the store due to race and gender but now the overseas help was talking smart as well I called from XXXX phone XXXX and XXXX My daughter was also told that she needed clearance to use the acct without the card someone from customer service drop the ball XXXX months ago there set to virtual and they never mailed her a card. Also they argued with my daughter that she was not an authorized use I took a screen shot and sent to her so they could see and they said she was when she clearly is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A