Date Received: 2023-09-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In response to the following promotion, I opened a new checking account with Citibank on XX/XX/XXXX. EARN UP TO XXXX AAdvantage bonus miles* after completing the following required activities : OPEN a new checking account and enroll in the offer the same day before XX/XX/XXXX SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90-day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities Per the terms of the offer, I was to receive XXXX AAdvantage bonus miles 30 calendar days from the date I complete all required activities. Since I completed all of the " required activities '' on XX/XX/XXXX, I should have received these miles on or about XX/XX/XXXX. It has now been 60 calendar days and I have not received the promised miles. I called Citibank on XX/XX/XXXX, and requested that they investigate this matter. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that " Unfortunately, we are unable to provide the status on fulfillment of the promotion. Fulfillment of the promotional offer is made systematically ; therefore, you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive. '' This directly contradicts the terms of the offer that state : " YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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 has added multiple duplicate Citi Flex plans to my credit card account on my XX/XX/XXXX and XX/XX/XXXX statements that I never requested. They were duplicates of plans that I started paying on back in XXXX. I have now paid off the original plans and Citi essentially started them over and is trying to make me pay them again. Citi flex plans XXXX on my XX/XX/XXXX statement are all duplicates which they have now applied my last payment towards as a first installment. That money should have gone towards my regular balance, not another flex plan. I will attach the XXXX statement showing when the plans were first initiated and then my XXXX and XXXX statements to show when duplicate plans were added. I have had multiple calls with an accounts specialist in Arizona named XXXX, but she has now stopped calling me back. They screwed up my XXXX statement so bad I can't even understand what they did or why. This has caused me great distress and anxiety that I should not have had to deal with. I've always been a customer that pays off the full monthly balance when due. They have provided no help or resolution in this matter. My XX/XX/XXXX balance should be lower by {$5300.00} and any funds applied toward those duplicate plans 10-14 plans should be refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, is illegally reporting my credit information to Macy 's credit card Services On a monthly basis without my knowledge? Macy 's didn't pull my credit report because there is a freeze on it? In return even though I have never missed a payment and at this time I had over half of available credit on this card. Based on this information that they Illegally obtained from XXXX they reduced my credit limit? XXXX is selling my information and want to sue them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, I called Citibank to get an explanation of a new balance and its corresponding interest charge that was not on any previous statement. Citibank agent said such amount was because of the daily interest calculation, to which I said : there is no way that $ XXXX is the calculation of daily compound interest for previous balance of $ XXXX which was paid in full before due date. Citibank agent on the phone was not able to explain how such new balance appeared on my new statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: On my mobile, when logged into Citibank app, I received the promotion code of XXXX for opening a Savings account with {$50000.00} or more of new money to Citibank, to be maintained for 60 consecutive days to receive a reward of $ XXXX. I clicked on the offer and opened the new savings account ( ending with XXXX ). I transferred $ XXXX in to the new savings account and contacted the customer service right after opening to confirm i met all the conditions to receive promotional offer. I was informed that i met all the conditions and my promotional reward will be deposited after 60 consecutive days of account opening. I reached out to the customer service department again after 120 days of account opening, at that time, i was informed that i do not meet the criteria of account opening and hence do not quality for the reward. The reason for decline mentioned was I have a Citibank Account Package, and only the Access Account Package was eligible for promotion. I have opened multiple request to review that were declined ( ref : XXXX ) Note : 1 ) The offer was on mobile app and no conditions were listed, my account was opened in less than 5 minutes 2 ) I was never informed on mobile app or in a email/letter that my account does not meet the promotion criteria 3 ) when i called, Citibank customer service incorrectly said that i qualify for the promotion, on more than two occasions. Given that, i have kept my funds ( $ XXXX ) in Citibank since account opening ( 6+ month ), I have been a loyal customer of Citibank for more than a decade, and the conditions were not mentioned during account opening or thereafter, I request that Citibank credit me the promised promotional offer ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A hard credit inquiry is on my credit report. It is from CBNA in XX/XX/2023. I did not apply for credit with this company. There should be no hard inquiry. Someone else must have used my information otherwise there would be no inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32327
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: best buy/cbna XXXX i am not liable for this debt with best buy. please remove off my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a Citi checking account on XX/XX/2023. I chose Citibank because I already had a credit card with them. I deposited {$50000.00} into the CitiBank checking account by transferring funds from my XXXX savings account. I paid off my Citi credit card with my new checking account that day. This left a balance of {$44000.00} left in the Citibank checking account. The next day, I realized I could not access my mobile app. After a lot of time on the phone with Citibank, they finally explained that my checking account had been flagged as fraudulent and closed. The following week I revived a letter dated XX/XX/2023 that said it was closed and that it would take 30-60 days to receive any funds I was entitled to. On XX/XX/XXXX I called Citibank using the number on the letter. I was told that since the 60 days had elapsed, I would receive the balance in the form of a check no later than XX/XX/XXXX. I did not receive a check. On XX/XX/XXXX I called Citibank and was told I was not entitled to any funds. After a lot of back and forth with CitiBank and XXXX ( a branch under XXXX based in California ), CitiBank said XXXX would need to file a hold harmless claim since apparently when the ACH was sent, my name wasnt on the transaction. Plus it looked fraudulent since I live in Idaho. Through a lot of back and forth and at least four hours on the phone, I learned there was a force transfer on XX/XX/XXXX between XXXX and Citibank. Ive attached a screenshot. At this point, all I have is a message from XXXX bank that a claim was started, but I havent seen the claim itself. Citibank told me it would be another 30-60 days to process this claim. I just want my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my accounts with Citibank on or around XX/XX/2023. I was able to consolidate two separate accounts over the phone. I was told over the phone that checks for the remaining balance for both accounts, one with {$300.00}, and one with {$3800.00}, would be mailed to my address and should arrive in ~10 business days. I called again in late XXXX to inquire where the checks were, as I had not received anything and was told to wait another week as they get delayed in the mail sometimes. I called again in early XXXX and I was told to wait 1 or 2 more business days to receive the checks. On XX/XX/XXXX, I received one check dated XX/XX/XXXX for {$300.00}. The check for {$3800.00} did not arrive and is still outstanding. I called Citibank again on XX/XX/XXXX and received no additional information. I called again on XX/XX/XXXX and was told that they would void the check and send a fresh check to my address. The second check for {$3800.00} was issued XX/XX/XXXX and was due to arrive on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive either check for {$3800.00}. In speaking to the bank on XXXX XXXX, I was told they will void the second check and that I should expect to receive it on or around XXXX XXXX. My mailbox is locked and the only people with access are my immediate family. Neither check for {$3800.00} has arrived, and Citibank has no other options available for me than trying to send a third check. The representatives told me they would log my case and file a complaint within the bank to learn from this issue. No explanation could be given as to why the checks have not arrived. I have essentially lost access to {$3800.00} for three months which is a major detriment to my financial wellbeing, just because I do not live in a state with a Citibank office where I could've visited to close my account. This has been incredibly stressful and I do not wish others to have a similar experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A