Date Received: 2023-09-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had the same credit card account since XXXX with Citibank. I am a good paying customer and am XXXX old and in the process of moving. I really need my card to make the transition smoothly. Recently I tried Citis autopay monthly using their third party service. First month didnt go through because it takes two months. This was not indicated anywhere so of course no payment. Representative said I should have known. How? When I found this out I immediately paid that month by phone with their representative providing my bank account information and was assured autopay would work for the next statement. Again the payment did not go through for that month. Now a new bill for two months had been generated and I was told the problem was with my bank. I contacted my bank and was told it was not a problem on their end. I called Citi with this information and they waived late fees and suggested I try to reenter all my information with Citis third party service. I did and it took several tries but the full two month payment finally went through. Next thing I know I tried to use the card and it was rejected. I called Citi and was told their policy is to close an account that has missed two payments. I was working with them on this the whole time and it was their service that wasnt working. I voiced how outrageous this was and asked for my account status to be reviewed and reopened. Just received an email this last week indicating they will not reopen the account. I am asking that you intervene so that my account be reopened for my move. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My daughter, XXXX XXXX, is handling this matter for me as I dont hear well. She is an authorized user on the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29926
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 fraud alerts or security freezes
Subissue:
Consumer Complaint: I opened a credit card with Citibank a few years ago as a way to build my credit. I successfully kept up payments and utilization ratio. After a year I was offered an upgraded credit card. Unfortunately recently there were fraudulent charges that were flagged. I told them that it was indeed fraudulent. They said they needed to send me a new card and would need to close the current account. I was confused and asked how would it affect my credit score, since closing an account is terrible for your credit score. They said it would have no affect since it was due to fraudulent charges. I gave them my addressed 3 separate times, and 3 separate times it was rejected. I dont understand as I get mail and packages all of the time. I decided to check my credit score today and it dropped by XXXX points. I feel wronged as they lied to me and caused me harm. I did not ask for fraudulent charges nor for my account to be closed nor for this to be reported and cause harm to my credit score. Now I will be unable to get an apartment or mortgage. I have no idea what to do and should not have to shoulder the responsibility of fixing this. Citibank needs to fix it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX I received a Bill In The Mail with no number that says a XXXX charge was left unpaid for a Citibank card I do not own. I was advised that since Citibank didn't have a card in my name to ignore it unless I get sent another one. Well the credit reports ' last week said due to a XXXX fee for Citi Bank my Credit Score went down significantly. I was a victim of fraud and I want this XXXX Credit card fee off my records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I reported that my card was stolen and that three transactions were made by someone else. The charges were {$630.00}, {$410.00}, and {$61.00} which were done back to back at the same MAcy 's on the same day. The fraud department said they would investigate. I however received a letter with no details on their findings, stating I'm responsible for these charges. I didn't make these charges and am a victim of fraud. In addition, I have been calling this company because they are expecting me to make a minimum payment which is extremely high because of the fraud charges. I am always on hold forever and this issue remains unresolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: As per my earlier complaints to you CASE XXXX Citibank USA finally sent the check for {$8500.00} they wrongfully took out of my checking account. This problem with Citibank USA was fully documented in earlier complaints to you. When I finally received the check for {$8500.00} thanks to your help I deposited it into my XXXX bank account with First Direct part of XXXX on the XXXX of XXXX. Today I received a letter ( attached ) from XXXX with a copy of the check saying that Citibank USA stopped the payment on the check and they could not deposit it into my account. This is after waiting since XX/XX/XXXX for Citibank to correct all the mistakes they made. I have sent a letter to the CEO of Citibank again ( attached ) because I have no idea what cause they would have to stop payment on the check and not even notify me. This is yet another outrage. I am reluctant to call Citibank because my experience calling them over the past two months has been totally negative. No one ever helps me and I have now spent XXXX calling them to try to resolve the situation. After taking so long to give me MY money why would they do this? I hope you can help get this resolved. According to Citibank USA my case is closed. I say it is not as I have not received my {$8500.00} back. As per my earlier complaint to you yesterday, I also wantinterest and compensation. But even more critical is that I am given MY money. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
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: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've had a credit card with Citibank for several years and have maintained on-time payments consistently. However, due to a recent illness, I missed my payment to them that was due by XX/XX/XXXX. Starting on XX/XX/XXXX, I have received/been receiving no less than 4 and up to as many as 10+ phone calls PER DAY from this company. In the past week and a half, I've received more than 50 phone calls ( and a couple of emails ). Having just returned home from illness, my phone log, answering machine and voicemail service is flooded with these calls. I've tried accepting/returning calls and have gotten disconnected or unable to connect with them. I intend to make my next payment ( and missed payment ) within the next couple of days but I feel the harassment from this company is horrendous and is causing extreme stress and XXXX. I didn't think these companies were allowed to badger and harass clients to this extent ( thought that more than 2x/wk wasn't permitted ). I'm hoping someone can do something to stop/prevent them from continuing to do this to me or anyone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01824
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: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/XXXX XXXX XXXX. XXXX, Citi Credit Card Services Dept., XXXX, returned my call, RE-New Credit Card Offer Application : Callback regarding dispute that CITI CARDS CBNA made a Bank / Credit Card Inquiry by checking your XXXX XXXX File on XX/XX/XXXX. Inform XXXX that I didn't completed the XXXX XXXX credit card offer application, when asked a question, I chose not to answer, I aborted the application. Inform that I received a denial letter today, dated XX/XX/XXXXXXXX stating the reason for the denial : Too many inquiries are recorded on your credit report. This is not true information. XXXX provided Citi Credit Card Services Subscriber # XXXX and stated that she would submit the dispute to remove dispute from XXXX and it could take up to 30 days.. I requested that she submit the request to remove the inquiry also from XXXX and XXXX. I later received a letter dated XX/XX/XXXX form Citibank, N.A., stating we are unable to remove the inquiry form your credit bureau report. The inquiry was made in order to review your application for a new account with us. Sincerely, XXXX XXXX XXXX. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I filed XXXX XXXX Bankruptcy ( Case # XXXX, XXXX XXXX North Carolina ) on XX/XX/2023. I request the creditor cease all communication to not violate the stay of debt collection as imposed by the bankruptcy court. Further communications from the debt collector will result in communications from my legal counsel, XXXX XXXX XXXX of XXXX , NC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I asked Citibank to close my accounts and return me my money and they refuse to do so. They say my accounts were compromised and I dont believe they were. The dates are XXXX to XXXX, 2023. The amounts are : {$280.00}, {$980.00} and {$1000.00}. I have given Citibank employees security words and SS #. They dont allow me to access any mobile app and do not answer my mail requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2023 I applied for Hone Depot credit card and I was denied they said due to the reporting agency XXXX, XXXX stating I have bad credit and number of delinquency and so on. I have real good credit and I have no idea what they are talking about and going on. I have an account with XXXX and I have good credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A