Date Received: 2023-09-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Tried contacting Citi bank to close my savings account last month was told they cant because of negative balance the balance was only negative because of a maintenance fee that was charged in error Citi bank agreed to adjust off the fee but they cant do it at the present time and I will need to contact back again. Account is now been charged another maintenance fee because unable to get ahold of Citi. I just want the account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
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: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The company did not explain the computer error that caused the problem. They only reported the problem that is present on the credit report. This is not a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I recently got a job at a firm that audits Citi Bank and in order to avoid financial independence issues going forward, I am trying to close my Citi credit card accounts XXXX and XXXX. However, for some reason the account closure functionality on Citi 's self service online portal is not available.
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: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank canceled a credit card that was exclusively used for travel during the early XXXX years when no one was able to travel. The card had a credit line near XXXX. As a result, my XXXX XXXX went down. The reason for the cancellation was sighted lack of use. I wrote Citibank asking that my card be reinstated, but they refused stating that I required a new credit inquiry in order to get a new card. I requested that they use the credit history of the other card, a thank you card, to determine my payment history, or review the history of the card that was canceled. Citibank refused but sent a nice letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: LL Bean CitiBank MC showed a purchase of {$1300.00} made in XXXX CA ( XXXX away ) on XX/XX/23. I have no knowledge of this purchase or the company and have never been to XXXX. I phoned in a fraud alert to LL Bean CitiBank MC and they investigated. They wrote me ( postmark XX/XX/23 ) showing an invoice from the store for {$1200.00} plus {$110.00} for a total of {$1300.00} placed at XXXX. This transaction WAS NOT chip verified, and was PHONE OR INTERNET placed and NO shipping or tacking information was listed. The product is a pair of batteries weigh well over XXXX #. THE LETTER FURTHER STATED THEY WERE REFUTING MY CLAIM and charging me for the purchase UNLESS I provided proof supporting my claim and gave me until XX/XX/23 to prove my case. ( It's hard to prove I did n't drive XXXX to buy something ) I sent registered mail ( sent XX/XX/23, delivered XX/XX/23 ) my rebuttal again swearing I had nothing to do with this purchase, pointed out the above facts and a photocopy of a credit card purchase showing me purchasing gas XXXX away on that date at XXXX. They sent me a second letter SENT BEFORE ( XX/XX/23 ) the XX/XX/23 deadline given me. This finalized their dismissal of my right to claim. They have not responded to any further letters and are billing me for a fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94560
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There were charges on my account that i questioned. a Subscription to a magazine that I never read which was XXXX then there was another charge of approximately {$30.00} that no one at Citibank could answer. It took numerous phone calls for someone to do a XXXX search to find out it was some kind of protection service that I never requested that they just put on my card. Said I was not going to pay for something that I never ordered or requested. Filed a dispute, was told by several people that they can only waive 1 late fee a year, I said I am not paying for something that i never ordered and they said that lates fees would continue to accrue until it was resolved. Told Citibank that was ridiculous that no other credit card that I had a dispute with allowed late fees to accrue. Citibank has no closed my account, I now have late fees over over {$100.00}, they sent me a bill for {$110.00}, I checked my account on line and I can no longer access it since they closed my account. What this company has done is appalling. This is all their fault and I am paying the price for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
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: 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: Citi sent a letter to my email address on XX/XX/XXXX requesting for information regarding a dispute opened previously with XXXX XXXX. The letter says there was a conditional credit issued for the disputed amount along with any related fees and interest charges while your inquiry is under review. However, there was no conditional credit issued in the month of XX/XX/XXXX per XX/XX/XXXX statement or after the initial conditional credit was reversed in XX/XX/XXXX. Citi Bank continues to make false claims and dishonest statements. Their dishonesty and unfaithful behavior has forced me to close my XXXX XXXX credit card account. I hope CFPB investigates further. Such a dishonest bank doesn't deserve my business and loyalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60607
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: 2023-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Around XX/XX/2023 Citi blocked my ability to access my funds on my checking account arguing they could not verify my identity. I went to the branch and presented my passport and still Citi did not unblock my account with me present and with my official ID. I then called multiple times and Citi argued they could not unblock my account until I had my phone verified. I provided my number which was the one I used at opening the account and they said they could not verify it. This happened multiple times after hours on the phone and multiple visits to branches. Citi on XX/XX/XXXX said they would send me a letter with a verification code and that it would take 5 to 10 business days but I never received the letter despite Citi having confirmed that they have the right address. Today is XX/XX/XXXX and I have still not received the letter nor has the account been unblocked despite my efforts through calls and visits to branches. As it stands Ive incurred in around XXXX dollars worth of fees. XXXX XXXX at the Citi XXXX XXXX XXXX and XXXX XXXX was the last interaction I had at the branch today. They called the Citi team that is supposed to be able to solve this but they have referred to a verification letter the same referred to above from XX/XX/XXXX that I never received. I did receive however another letter from citi regarding tax forms so we know that I live at the address stated on my account and that citi is able to get letters to me. This is causing not only a high degree of XXXX but I have also not been able to make any payments from my account including rent and utilities which not only damage my credit score but also creates the risk that I breach my lease and my other obligations. This is also the account where I receive my salary so I dont have access to that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: As a Citi credit card customer I received on my personal email an offer to open a Citi checking account and meet a set of activities, here is an excerpt from the offer email : " EARN UP TO XXXX XXXX bonus miles* after completing the following required activities : 1-OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXXSPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3-MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window 4-YOUR XXXX bonus miles will be credited to your XXXX account within 30 calendar days from the date you complete all required activities '' I have met all required activities on XX/XX/2023 and was expecting the miles to post up no later than XX/XX/2023. I have been unsuccessful at getting Citi to post the miles to my account in a timely fashion and simply honor the terms of the offer despite numerous calls to incompetent customer service agents and supervisors from 3rd world call centers. I had no other solution but to request consumer protection in this case to defend my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I requested that two items needed to have a stop pay because they were redundant and I had already paid them or scheduled a payment. I specifically stated I wasn't disputing the charges and that the companies weren't at fault. The Citibank Dispute representative didn't understand that and had a very poor understanding of how her bank works along with poor English skills. Citi sent me forms to fill out to pursue the " disputes ''. I never filled out these forms and decided it was easier to leave the charges as they stood. Two days later I couldn't log into my account and was directed to a number. I called the number and the man who answered stated he called me. I never received a call from Citibank. I don't recall ever receiving a call from Citibank, ever. I was run around in circles for two hours to finally get the information that my account was locked due to fraud. There was no fraud. I specifically claimed that I was responsible for the issues I was trying to get rectified. I couldn't get anyone to listen. What kind of global bank operates this way? I was then yelled at because I had ACH deposits that I needed access to. No one would give me an intelligent answer. I was then informed by the fraud department that any transactions received would be returned including ACH deposits. This was completely false-they had made it up and lied about it. The lock-out happened on Weds XX/XX/. A social security ACH deposit was accepted by Citi on Friday, XX/XX/. I need access to these funds. Citibank refuses to release them. I have been yelled at, consistently fed false information, and treated unprofessionally. I need those funds released, not in 60 days but now. What kind of bank employs people who have no business interacting with their clients.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A