Date Received: 2023-08-30
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: Was charge a late fee as we didn't receive a bill. contacted the company, paid over the phone and was told it would take XXXX weeks for the late charge to be removed. we're going on 3 months and the late fees are adding up and compounding due to the lack of action to remove the original charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I am writing to file a formal complaint against Citibank regarding their XXXX XXXX XXXX XXXX. I opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with Citibank, enticed by the offer 's terms clearly stating, " Your XXXX XXXX bonus miles will be credited to your XXXX account within 30 calendar days from the date you complete all Required Activities. '' I meticulously ensured that I fulfilled all the stipulated requirements for this offer. To further validate my eligibility, I contacted Citibank 's customer representatives on two separate occasions, both of which confirmed that I had indeed satisfied the necessary criteria. However, to my utter dismay, Citibank 's XXXX XXXX subsequently sent me an official letter contradicting the terms of the promotion. The letter stated, " 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 abrupt change in the timeline for awarding the bonus miles is wholly unacceptable. The initial terms were unequivocal in their commitment to posting the miles within 30 calendar days after completing the requirements. Citibank 's failure to adhere to their own stipulated conditions has caused considerable frustration and disappointment. I kindly request the CFPB intervention to address this matter promptly and ensure that Citibank honors the original terms of their XXXX XXXX XXXX XXXX If Citibank can not adhere to the originally promised timeline, I expect them to compensate me appropriately for the inconvenience and deviation from the agreed-upon terms. Thank you CFPB for your continued commitment to safeguarding consumer rights and fair banking practices, and I look forward to your response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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: Citibank charged me {$150.00} for a purchase I didnt make at XXXX XXXX. I had called numerous times to dispute the amount plus the late fees. They have not corresponded with me to resolve the problem. I have talked to their fraud representative and mailed out a letter to dispute. Ive never even used this particular Citibank card for any of my purchases. After this is resolved I am going to cancell all my Citibank cards. I dont want anything to do with them. When I found out my card was used fraud ky XXXX immediately called them to report. This was XXXX months ago and they have neglected my concerns. My next step is to get my lawyer and fight for damages and stress that they have imposed on me. The time I put in to dispute my charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: i sent 3 times the endorsed remittance coupon and instructions to the XXXX. and the remittance department of citibank as per federal reserved act section 29 on XX/XX/23, XX/XX/23, XX/XX/23 certified mail for them to transfer the interest- positive value of the bearer security to the principal to set-off the account and bring it to zero and they did not do the fiduciary duty they have and they close my account. i sent on XX/XX/23 the remittance again and an adverse action letter to the vice president for him to open back my account to transfer the positive value of the bearer security and stop denying me my right to extend credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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 purchased a coat from jomashop on XX/XX/23 and returned the coat through usps XXXX. XXXX has confirmed that the package was delivered to an individual at the merchant address. The merchant however has refused to issue a refund. I have disputed the charge with my citi credit card however my credit card has said the company disputed the charge and will not respond to their calls or e-mail and cant resolve my dispute or refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I enrolled in a Citibank account promotion for airline miles. Detailed in bold on the back of the promotion within the terms and conditions, it says, " Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. '' I've called Citibank multiple times after completing the activities and have been told by two " supervisors '' that is not what it says and it is 90 days from the date I opened the account and then an additional 30 days after that. That is not what the piece of paper I have in front of me says.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX I was notified of a credit inquiry through citi for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. On XX/XX/XXXX I received a letter in mail regarding the application from citi, which the name on the application does not accurately reflect my drivers license. I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than XXXX different numbers to contact Citi. None could help. XXXX citi very own XXXX department! They sent us back to an automated application line and we never got to a live person. So XX/XX/XXXX I called into XXXX to file a dispute. They responded back on XX/XX/XXXX claiming Citi verified the inquiry was accurate with no details ( no contact phone # for Citi nor any supporting information ). Citi bank and XXXX have not done an adequate job resolving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited a check into Citibank to open an account from my. I waited the 10 business days to get my ATM debit card once I got it I was working out of state in XXXX Massachusetts. ( XX/XX/23 ) I have my card on my XXXX XXXX over there. While my partner was using my physical card in XXXX XXXX XXXXXXXX where I live, I would get the fraud detection alert and clear it up with Citibank after every purchase or so but I recognize that it was purchases from two different places so that could cause the fraud alert. I got back to nyc XX/XX/23 and the next day the XXXX we went on a shopping spree however with every purchase Citibank would detect fraud and put a hold on my account. I would call and clear it up. On the XXXX the same process would repeat with me calling citi bank to unlock my account. I even tried withdrawal from the Citibank atm itself and that also set off a fraud alert and locked my account. Now XXXX ( XX/XX/23 ) I withdrew {$1000.00} and ordered an XXXX and the fraud detection alert went off again however this time i called to get it removed but they said they could not verify my identity due to my phone number and would not give me any other explanation than their third party verification system would not allow me to use my phone number and there is no other option. They sent a letter that will arrive in 5-7 business days. I can not wait that long because I have a trip to XXXX XX/XX/XXXX meaning if I wait I would have to cancel my trip. I truly believe I am being discriminated against because of my race and living area. I do not believe every other customer at Citibank goes through this type of scrutiny when accessing their funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to communicate with Citibank cbna for over a year, an unauthorized Transaction for XXXX was put on my card that I didnt ask to do, my limit was only XXXX, why would I charge that amount and its a secured card I purchased, after telling them this, they have reported to credit agency, information is wrong and my Im In titled to my privacy and if chargers was unauthorized, my personal account was hacked and fraud was done on it as well and also alerted citi bank by information was compromised and fraud was done and needed help, with personal Acct # XXXX and credit account # XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX I filled out an card application via web link https : XXXX? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX for the CITI SIMPLICITY CARD which is offering 0 % XXXX on purchase for 12 months, 0 % XXXX on balance transfers for 21 months with a balance transfer fee of 3 % or {$5.00} minimum ( for the 1st 4 months ) ... ... ... I then clicked on the link to fill out the application for this same card https : //online.citi.com/US/ag/cards/application? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX as you can see when checking these links there is no mention or option for the CITI DIAMOND PREFERRED card nor did I apply for this card ... XXXXwhen my application was processed to my surprise I received an email congratulating me on being approved for the DIAMOND card ... ... after seeing the fee for balance transfers on the DIAMOND card was 5 % instead if 3 % I called to explain there was an mistake made by CITI and that I did not agree to different terms ... XXXXthey insisted I did and advised there was nothing they could do to change the terms so now I am reaching out to you for help I don't have and did not use any other link so there must be an error on their website/system causing the issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A