Date Received: 2023-09-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I opened a Citi checking account. On XX/XX/XXXX and XXXX, I deposited {$550.00}. On XX/XX/XXXX, I put in a request on the mobile app to transfer {$29000.00}. However, the next day I could not find any record of this transfer request on Citi 's mobile app or on the web at Citi.com. Accordingly, as any customer would, I assumed the transfer did not go through. Therefore, I made another transfer of {$10000.00} on XX/XX/XXXX which got deposited into Citi 's account on XX/XX/XXXX. However, the original {$29000.00} did go through ( despite no record of it originally ) and this double transfer got denied because there were not enough funds in the other bank due to the {$10000.00} transfer. This is clearly not fraud and an honest mistake due to Citi 's poor app/web capabilities, yet Citi nevertheless decided to close the account. Citi has been holding my {$10000.00} and refusing to give me my money back since XX/XX/2023. It's been almost one full calendar day and Citi is refusing to provide exact details on when I will receive my money back other than a vague " 30-60 day '' timeline. Why would it take 60 days - is the fraud team twiddling their thumbs? Is that calendar days? Is that from the day they blocked the account or close the account? Is the check going to be mailed on the last day so I need to account for more days after 60 days? From the day they blocked my account to the day I get my money back, I could be looking at 90+ days all in all. How is this not illegal??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: For the billing statement due for XX/XX/, the amount due was {$68.00}. I paid {$35.00}. For the bill due XX/XX/, I paid {$33.00}, per the online BALANCE DUE ON THE ACCOUNT. I paid it, then receive a bill saying I owe {$1.00} in interest. I have two questions : Why, if you credited my payment for XXXX for {$33.00} less than 5 days after my XXXX payment, why do I owe interest? Your representative said I was 4 days late, when in fact I was paying off the card EARLY. If the balance due is {$33.00}, your company should accept {$33.00} as a final payment. A balance due is what I owe you. PERIOD. Why did you charge me interest, when I paid off the card? Interest for the ENTIRE month of XXXX was {$1.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, an unauthorized user called into Macy 's Credit Card services and changed the name on the account from my name to their name using the self-serve phone tree and self validated using the last for of my social security. This person then made an unauthorized, in store purchase of fragrances on XX/XX/XXXX for a total of {$250.00}. I received an email asking me to leave feedback regarding my in-store purchase. I then promptly called in and reported the fraud / unauthorized purchases and requested to close my account. After I closed the account, the unathorized user then called back in and had a new credit card issued which they then did another in store purchase for {$350.00}, this time for watches. I called in immediately and reported a stolen card and again asked Macy 's to close my account. Then on XX/XX/XXXX, I was notified that Macy 's had issued another card to the unauthorized user. I called in and again reported the card stolen and again asked for my account to be closed. Then again on XX/XX/XXXX, I received a notification that a new purchase of {$120.00} was just made using a brand new Macy 's Star Rewards credit card in the authorized users name which using my social security number. I called in on the XXXX to escalate and have been told that the account will be closed and no further credit cards will be issued ( Same thing I was told the three past times ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: Someone I was seeing, dating, took my credit card without permission. This card was used for a number of purchases and services. When I received my statement, I notified Citibank, NA of the charges. I also wrote them according to their dispute rules. Citibank, NA ruled that the charges were by an authorized user. I requested receipts of the transactions and additional information related to their dispute process. This was not provided. I have mailed no less than 7 letters to Citibank regarding these unauthorized charges. They have since reported to the credit agencies that this is a delinquent account, which is not true. Citibank has failed to respond related to the dispute of the unauthorized charges since their decision letter. I asked for appeal process and arbitration information. It was not provided. These charges are from XX/XX/2023, in the amount around {$1400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I received a vague email from Citibank that my account will be automatically closed within 60 days. No explanation was given. I called their customer service line and they repeated that they can not tell me why my account was closed. They said I will get a check in the mail with my funds, but they could not tell me when. The call center agent hung up on me in the middle of the conversation!!! I am traveling in a different country for several weeks ( Yes, I gave Citibank a travel notice ), and I now have no access to my own money. I will not be home for quite a while, so mailing a check to me will simply not do. It's an absolutely ridiculous situation. I also did not get my opening bonus of {$500.00} which is owed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I paid off my credit card and had a balance of {$42.00} that I had to request 3 times to be sent. Ive waited over 20 days after Macys stated that they sent the check and was told that I would have to wait an additional 30 days to receive my money while they conduct research to locate the check. Once they located it, they would resend it again using the same delivery process with no added measures to ensure my money reached me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Retirement funds were dispersed into a Rollover IRA account through CITBANK. I got a letter saying citibank had the money in a money market account. I filled out the necessary documents one month ago requesting the money be transferred into my citibank checking account. I explained the request was dire ad my car was stolen from my apartment complex, my kids were starting school, and my rent coming up. I am facing eviction and to this moment citi has refused to transfer the money to the citibank checking account even though I and my kids are nearly homeless. There is no other parent in the home or out of the home. I have confirmed citbank has all the forms required. They wont allow me y To acess my money, each say I call I am told there is a " Glitch " and nothing a can do. They are cold and thieves. I asked what the glitch is and I am just told " system issue ". Another excuse is a " Glitch due to enhancements with simplified banking ''. It is very plain to see that Citibank us holding onto the money because they freeze and put on hold on accounts to thousands of peole every day unethical and immoral. I spoke to two supervisor XXXX XXXX XXXX and was told the " back office '' did an override a d removed the hold and I would get the transfer. Today I was told the two supervisors lied and there is no end in sight and there is zero I can do about it. Citibank will not give me acess to the money. I was originally told 2 bunessis days and now I'm told it's just too bad. They have the money a d won't release it. Since XX/XX/2023, I keep getting told I can't do anything to get the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied a bloomingdale credit card on XX/XX/23, and got approved through contacting with agent. XXXX of the credit card features promoted online is 20 % off on the first purchase made on the same day of approval or the following day, and customer can make purchases right after approval. I made a second phone call to make the purchase, but I was told I'm not able to do so, and need to wait for 7 days. I asked to escalate to a supervisor but ended up waiting for more than XXXX hours and hung up my phone call. I feel this is a scam company that uses fake information to attract customer applying for a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, Citibank closed my credit card account. This was shocking as my credit score is about XXXX and I had never had a late payment in the > 10 years of having the card. When I asked Citibank why the account was closed, I received a letter ( attached ) stating that during a recent review of my account, they discovered that I was associated with a XXXX related business. Therefore, they determined that they could no longer offer me financial services. I have not in the past nor am currently involved in any XXXX or XXXX related business either directly or indirectly ( investments ). I have never been to a dispensary. I do not use medical ( or any ) XXXX, and although I am a XXXX, I do not nor have I ever had anything to do with medical XXXX. I am willing to share my tax returns and provide a sworn affidavit if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank closed my Macy 's and Home Depot accounts in retaliation for my request for a discharge on the Sears Mastercard. Both accounts were in good standing and the Home Depot account had a XXXX balance. Citi discriminated and retaliated for a prior complaint I filed with the CPFB in reference to their illegal refusal to remove a late fee from the Sears Mastercard and their default in dishonor for refusing to discharge or mutually offset the balance on the Sears Mastercard. ( The complaint was filed on or about XX/XX/23 and the accounts were conveniently closed on or about XX/XX/23 ) Citibank claimed they perform routine credit checks with XXXX, however I never gave them permission to check my credit. In addition the routine check was purposely done earlier than what it should have been. These checks are usually done every six months. In these cases, they did the routine check right after I filed a complaint for calling them out for their refusal to do a discharge or mutual offset on the Sears Mastercard. Citibank never provided a notice of dishonor from the US Treasury or any federal laws that refute the request for a discharge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A