Date Received: 2023-09-17
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Citi Bank has a policy if you have multiple balance transfers they have a hierarchy for the way a payment is made. First the minimum payment is made, then and overpayment is applied to the highest interest account. In my case I contacted their chat representative who told me to after the minimum payment pay {$4000.00} to pay off my balance # XXXX. This just came due with the high interest. I complied and he took payment. My balance transfer was never paid but the money went to another account or was taken I never authorized the representative to put the money somewhere else. I am not aware it where the money went. On XX/XX/2023 the highest interest rate was my balance # XXXX which was never paid. I contacted Citi at least XXXX times and each time I was told a refund will arrive in XXXX days with their standard line about how multiple accounts are paid. They have lied to me on multiple occassions. They claim that you can download the chat notes. Not true, but I took screen shots of my chat notes. They have lied multiple times which I can show, They give false statements like refund will be made on a specific date. Never happens. Talk to another person they say it is being reviewed by a non-existing department. They refuse to give you a phone number to that department. Talking to multiple supervisors they repeat chat and phone the same story under review or you will receive the refund in XXXX days. I asked for the banks legal number again I was refused. This bank is very poorly run and in my case I think I was defrauded by the Citi chat representative.. At first I thought it was just a mistake, but digging further it was obvious this bank operates on different standards that normal approved banks. All I ask for is a refund of the overpayment that I made, but as I said before all you get is lies, from their departments.. On XXXX occasions they representative disconnected the chat. I was respectful and nice so there was no reason for the disconnect. I can prove by the screen shots that I have. Please help me in the situation. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been receiving emails about a Brooks Brothers credit card account which I have not opened
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I want these inquiries on my credit report deleted I did not authorized these companies to run my credit they are fraudulent I have downloaded copies to show
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Im writing to express my frustration and disappointment with Citibank. Ive been a customer for many years and I believe I deserve much better treatment from them. I received a personalized email from the bank which they encouraged me to share with my friends or family. Once a friend opens an account using the link and keeps the account in good standing I would receive {$100.00} bonus within 90 days. So my friend opened an account on XX/XX/12, but I havent received any bonus. The bank doesnt share their email address, you can only chat or call them. I tried to chat first. Talked to two people, an associate and a supervisor. They refused to help, trying to get rid of me by convincing me to call the dedicated team about it. What dedicated team they were referring to?? Everyone in that call center was absolutely clueless. Five people were bouncing me from one to another and none of them had any idea about the promotion. I spent an hour on the phone and hadnt heard anything intelligent or useful. Unfortunately for the bank i have the promotion email and my communication with them saved, which I will include in attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I went to a liquor store on XXXX XXXX in XXXX CA. I was going to purchase some snacks which totaled about {$4.00}. ( this could be off by a some cents, I could not remember the exact amount. I paid with my ATM card and it was denied and tried it XXXX more time just in case it didnt go through the first time. The clerk told me it was declined. It surprised me because it was not large amount. I told the clerk to hold on to my items while I check with the bank. Well before i called the bank i logged in to my account on my phone and found out that the money on my savings account was not there. So I looked at the transactions in my savings account and found out that there were transactions there from XXXX XXXX XXXX XXXX Florida. The items taken were for the following : XX/XX/XXXX a transfer from checking for the amount of {$15.00} XX/XX/XXXX ATM withdrawal for {$20.00} XX/XX/XXXX ATM withdrawal for {$160.00} XX/XX/XXXX in person TELLER window withdrawal {$1500.00} ve me As you can see all transactions were done out of XXXX FLORIDA and I was not even near or close to FLORIDA because I am presently in XXXX CA and at WORKED while this transactions are unfolding. I also currently reside at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I havent been in Florida since i moved here in the XXXX in XXXX. I called the bank and told them that my account has been hacked the above mentioned transactions were not authorized or done by me. So an incident was recorded and a reference number was issued to me and that a provisional credit was going to posted to my account within 10 days. Guess what, after 10 days I didnt see that credit as of this writing. Oh wait, it gets better! Not only did I NOT get the credit they DONT HAVE A RECORD OF THE REFERENCE NUMBER they gave me. They were saying that it might have not completed when she submitted it. And i said, WHY DO I HAVE TO SUFFER FOIR YOUR INCOMPETENCE. at this point I am as hot and my XXXX XXXX just shoot up the roof. And this is CITIBANK. Anyway she said thayt we fike another dispute and so we did and was dated XX/XX/XXXX. Then guess what, after the said INVESTIGATION they sent me a letter dated dated XX/XX/XXXX, XXXX hours after we filed another dispute. ( whoa tjhats XXXX XXXX of an investigation ) and in the letter they are saying that they are DENYING my claim and will not refund my money because the said transactions were consistent with my banking activities. Wow, by now im ready to lose it but at this time im not feeling well becasue of this unnecessary stress they are making me experience. I really had to terminate the call because I feel very light headed. So i called back and they asked me if I wanted to file an appeal.IMAGINE ASKING ME THAT, so i said yes and as of this writing I have not received anything from the bank except for an unauthorize of use form that I had to sign. But not heard from them about a resolution.
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a call I believed to be a valid call from the Citi Bank fraud department that someone had attempted to make multiple transactions. This person claimed to be a CitiBank employee from the fraud department calling from a number, XXXX, which I later verified was a true CitiBank number. The results were that the fraudsters gained access to my banks checking and savings accounts and drained both accounts. After contacting the fraud department I was advised that this was through the XXXX which is a CitiBank function on the app. Citi Bank claims that I may not be able to receive full reimbursement of monies back even though this a fraud made by a person impersonating a CitiBank employee. When I followed up the next day with bank I discovered that this was fraud, the scammer, asked the same exact questions as the true bank employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I did an XXXXXXXX XXXXXXXX transaction to pay for goods in the amount of {$84.00} on XXXX XX/XX/2023. I was surprisingly charged a XXXX XXXX fee of {$10.00}. I told agent payment was for goods and services and requested {$10.00} fee reversed. They declined to reverse the charge. I even paid off the XXXX transaction fee of XXXX right away as I seen the posting, and they declined to reverse the {$10.00} fee. For consumer protection, XXXX XXXX charge should be prompted before consumers use that cards to make payment if they are not using their PIN to withdraw cash. Clearly, the money did not come to me, so why am I being charged a XXXX XXXX XXXXee?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92173
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2022 charges for items not purchased as a result of charges put on my account without purchase validity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I contacted XXXX XXXXXXXX XXXX in response to an alert I received on my laptop that my computer had been attacked by XXXX XXXX. When I called, the woman asked for remote access to my laptop and ran a software program that showed 25 hackers in my system. She asked me to check my financial accounts to see if any money had been removed and then called Citibank to inform them of the hackers. I then received a call from Citibank Fraud Protection and over the next several hours, they convinced me, along with the XXXXffice of the General Counsel of the Social Security Administration, that I needed to transfer {$44000.00} to a dummy account at XXXX XXXXXXXX XXXX a partner of Citibank, until the hackers were removed from my system and then the funds would be transferred back to my account at Citibank in 24 hours. When I became aware that this was a scam, I called Citibank that evening and was informed that the funds had already been transferred. She said she could not contact XXXX XXXX, made a report, and said I should call Citi Wires the next day. The next day I was informed that XXXX XXXX had been contacted and had not yet responded. I have not heard from Citiback since. I do not feel that Citibank or XXXX XXXX have acted with a sense of urgency, care or concern. I have been a client of Citibank for over 40 years and was planning to use those funds to assist with my cost of living as I am recently retired. A six-page report of the fraud is attached to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
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 received an alert of a potentially fraudulent charge of {$2100.00} in XXXX of 2023 on my Citi card. I immediately reported it as a fraudulent charge. The charge was removed in XX/XX/2023. In XX/XX/2023, Citi wrote to me and advised that they had reversed the charges because of paper documentation provided by the entity and Citi confirmed it was a valid charge to my card by XXXX XXXX XXXX XXXX I contacted Citi and advised them that the person who made the charge, XXXX XXXX, was not an authorized user of my card and I did not authorize the charge to my card. I have complained to them telephonically several times and they still have not removed the charge. I submitted a written complaint to them in XX/XX/2023 and they still have not removed the charge. I want the charge and any associated interest removed from my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A