Date Received: 2023-09-12
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XXXX XXXX I contacted Citibank in regards to discovering my credit limit was drastically decreased after checking my credit. I spoke with several departments and supervisors asking why it was drastically decreased explaining that payments were never late and credit card was paid off early and there is continued use. They refused to tell me why or allow me to dispute this also refused to reinstate my original credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I received an email solicitation from Citibank, with Invitation Code : XXXX, to open a Citi Accelerate Online Savings Account and receive a bonus if deposit minimums were met for a period of time. On XX/XX/XXXX I followed through with the Citibank email offer and opened a a Citi Accelerate Online Savings Account. I also deposited new-to-Citibank funds in the amount of $ XXXX into that account and kept that amount in that account for the period of time to meet the bonus requirements, which was, make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. On XX/XX/XXXX I called Citibank looking for my {$450.00} bonus that was overdue and was informed after filing a dispute, that I was not eligible for the bonus due to my account type. I do not agree with their decision since I followed their solicitation to open the account under the promotion that they presented to me. Parts of the Citibank email to me contain verbiage similar to the below : " As a cardmember, you can save fast and open a Citi Accelerate Online Savings Account with easy signup. Citi Logo XXXX XXXX XXXX since : XXXX | Account ending in : XXXX Citi XXXX XXXX XXXX Earn up to a {$450.00} bonus* plus grow your savings with a 3.85 % annual percentage yield* XXXX as a Citi cardmember XXXX you already get benefits like acceptance at over XXXX XXXX locations and {$0.00} Liability on unauthorized charges. Now you can grow your savings fast with this special offer too. Reach your savings goals fast with a Citi Accelerate Online Savings Account. Earn a cash bonus of up to {$450.00} after completing required activities + Grow your savings with a XXXX XXXX annual percentage yield* Save at XXXX the national average rate when you open a Citi Accelerate Online Savings Account - there's no initial minimum deposit required to get started. As a loyal Citi cardmember, you can earn a {$150.00} or {$450.00} bonus with this offer. Make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. Minimum Deposit & Minimum Balance Cash Bonus {$20000.00} - {$49000.00} {$150.00} {$50000.00} or more {$450.00} Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. Best of all, it's never been easier to get started open an account online with easy signup. Apply Now *See Terms and Conditions Invitation Code : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97005
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I keep trying to get my credit report updated since XXXX from Citibank and XXXXCitibank keeps sending documents to XXXX saying that the inquiries are factual when they are not.Citibank keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to XXXX showing that the credit inquiries from Citibank is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: This is an updated/revised complaint from one previously submitted. I received a call from the Citibank executive branch on Tuesday XXXX because they were made aware of a consumer finance complaint by me and are required to call. I was told that the subpoena I had mentioned in the letter was important to the case. I called the XXXX police dept. and spoke to the detective about how gaining access to the subpoena was going. After two days of playing phone tag I got in touch with him on Friday XXXX with the bad news that the video had been erased. Industry standard for keeping surveillance footage is six months. XXXX XXXX XXXX is five months not six. I find it highly suspicious that after the consumer and state complaints and after the phone call with Citibank that conveniently the footage has been erased. Citibank is of the opinion that because my card was used to withdraw the {$4800.00} my claim is denied. I resent the implication that Im the scammer here and that I am the one trying to extort the bank for {$4800.00}. I was not wanting to seek legal action against Citi but that appears to be where this is heading. I will not falsely be accused in so many words of a crime. Below is the original complaint sent. CitiBank Case # XXXX, Claim Number XXXX On XX/XX/XXXX, {$4800.00} dollars was withdrawn from our checking account without our consent. After calling Citibank as to how this had happened, it appears someone had walked into the Citibank in XXXX NY, a place neither myself or my wife had ever been, and withdrew the funds from our account via the teller. An internal investigation was launched. On XX/XX/XXXX we received a letter stating that the claim had been denied. We appealed the decision. I went to the XXXX Police filed a police report which amounts to grand larceny. I then went to the Citibank in XXXX to talk to the manager. He said it was good we filed the report because now we can subpoena the footage and the card reader device to see the card used. My card never left my wallet. I spoke to the fraud investigation dept again letting them know I had filed a police report with which I had emailed to XXXX. I had to keep making investigators aware of the emailed report since they never know anything about it. The agent I spoke to found the email and assured me if would be sent to the agent investigating our claim. My take on what has happened. My card was going to expire at the end of XX/XX/XXXX, a new card was most likely sent in the mail but we had moved so the new card went the old address and was intercepted by a fraudster. How they were able to gain my pin I dont know, I can only ascertain they were able to reset it Online or via a phone call with Citibank XXXX Bottom Line they were able to reset the pin via CitiBank The agent I spoke to this time said this was new and good information and that he would pass it along to the investigator and I would here back via a phone call. I never heard back... so I called and was told we have been denied again for the same reason. I again called to appeal and added subsequent information that could be applied to the investigation and again was given lip service about the new and relevant information that could help and I would receive a phone call within XXXX to XXXX hours never receiving a phone call. 7 days later I received the same letter of denial only with a different date on it, XX/XX/XXXX. its very obvious that no further investigation was ever done or is ever done. I have come to find out that Citi has a terrible reputation on crediting their customers that get scammed. We have been with Citibank for almost 30 years and have put millions into the bank via our paychecks and a home equity loan. And they have a completely divorced attitude on what has happened or even remotely trying to help us. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Gave information regarding travel out of the country to XXXX, XXXX and relevant dates prior to travel. They have declined multiple payments despite multiple calls to clarify the situation requiring over XXXX minutes of waiting, etc. They refuse to correct the situation despite multiple confirmations of identity. We have excellent credit, have never been late, have not come close to our credit limit. This is irresponsible when members are traveling out of the county with children and can't have reliable access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Original Citi credit card hit with fraudulent charges. Citi reissues card, but before I even active it, Citi advises that the replacement card has been hit with fraudulent charges. They issued a second card, and then a third card, which has now been hit with a fraudulent charge as well. Feels like this is an internal Citi issue...? How else could we have been hit with fraudulent charges before the card was even activated? How could three replacement cards be hacked inside of one month? Citi makes it next to impossible to get answers. I spent a good XXXX hours on this, and now the 3rd placement has been compromised and needs replaced. A lot of time spent with no answers on how this keeps happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XXXX Citi Bank closed my account without any explanation and i had a balance of {$710.00} in the account. Citi claimed that they mailed me a check of the remaining balance to my adddtess on XXXX. I called back after 14 business days as I never received the check. On 4 different occasions, a representive told me that they emailed the department who issues the check and as of XX/XX/11, no new notes have been added. Citi has not been transparent throughout this process and no one on their security or speciality team has been able to assist me over the phone. The department who issued the check can not b reached by phone so i am not getting any feedback on whats happening with my funds. This has been extremely frustrating as my account has been closed for 2 months and still havent gotten my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I keep trying to get my credit report updated since XXXX from Citibank and XXXX.Citibank keeps sending documents to XXXX saying that the inquiries are factual when they are not.Citibank keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to XXXX showing that the credit inquiries from Citibank is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: So my bank account was closed cause I tried transferring money to my Citibank account. It was taking long to get deposited so I just took the money out cash and deposited the money cash in to the Citibank account, So they thought it was fraud and froze my account at the end of XX/XX/. I told them if they can close my account and just give me my money cause I needed to pay bills, they said it was handed over to the fraud company there connected with and gave me there number I called and they said they will send my money through the mail in 30-60 days its been over 4 months going 5 I call once a week and they just tell me the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95301
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I requested Citibank discharge or offset the balance on my Sears Citibank Mastercard to the US Treasury in accordance with Public Policy HJR 192 of 1933 et al. However, Citibank has ignored my written requests, they have kept the documents provided to them needed to perform the discharge ( i.e. two 1099a forms, two remittance coupons, affidavits and notices of acceptance for value ) and they continually call me without my permission. When I reach out to them via online messaging they refuse to provide me an opportunity to follow up with them via email in order to preserve my rights. I am submitting in PDF a copy of the documents ( Notices of Acceptance for Value, Affidavits, 1099a, remittance coupon, exhibit ) sent to them via certified mail in XXXX, XXXX and XX/XX/XXXXXXXX and proof of delivery via the USPS website. Now that Citibank has illegally refused to perform the discharge and are in default because they failed to provide a notice of dishonor from a qualified third party such as the US Treasury, they are illegally charging late fees in violation of 15 USC 1666 ( b ) which states under ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX I called Citibank at XXXX to request removal of the XX/XX/XXXX late fee but XXXX, the representative said the system would not allow her to remove it. She even tried to get help from a Supervisor but the system blocked them from removing the late fee. As proof that the balance is supposed to be discharged and returned to the US Treasury please see the following laws : All debts are the obligation of the US Treasury as shown in 18 USC 8 Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness,, coupons, XXXX : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, notes % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX The term coupons refers to the same coupon all credit card companies such as Citibank issue every month to consumers which is the detachable stub at the bottom of each months billing statement. As further confirmation that debts are the obligation of the US Treasury see 31 USC 23 or 31 USC 3123 Payment of obligations and interest on the public debt : ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt XXXX XXXX XXXXXXXX According to HJR 192 of 1933 the gold standard was suspended and the requirement of a particular type of payment is inconsistent with the declared policy of congress. Every obligation shall be discharged. Whereas the holding of or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction : Whereas the existing emergency has disclosed that provisions or obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United Statesobstruct the power of the Congress to regulate the value of the money of the United States, and are therefore inconsistent with the declared policy of the CongressEvery obligationshall be dischargedThe term obligation means an obligation ( including every obligation of and to the United States ) XXXX : XXXX
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: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A