Date Received: 2023-08-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I called Citibank at XXXX on XX/XX/XXXX to open an online checking account with the promise of a cash bonus of {$700.00} with a minimum deposit and minimum balance of {$50000.00} in 90 days. This was based on the online advertisement that we needed to open the account by XX/XX/XXXX and deposit the fund in 20 days after the account was opened and maintain the balance for 60 more days. {$50000.00} was deposited on XX/XX/XXXX and we received a bank statement to confirm the deposit. I called Citibank sometime in XX/XX/XXXX to see if they made a mistake in the account type ( Basic Checking vs. Priority Checking ), I was told I would receive {$700.00} under either type of account if I maintained the balance over {$50000.00} for over 60 days after the fund was deposited, which I did. However, I did not receive the {$700.00} by XX/XX/XXXX. I made an online inquiry on XX/XX/XXXX at XXXX regarding the {$700.00} cash bonus that I had not received. I was told that {$700.00} should be available to me by XX/XX/XXXX ( I have the screenshot of the conversation ). On XX/XX/XXXX, I made another online inquiry at XXXX regarding this cash bonus that I still had not received. I was talking to XXXX, who said that she saw the credit of {$700.00} and did not know why the money was not posted to the account ( saved a screenshot of conversation as well ). The dispute was opened and I was asked to wait about 3-5 business days. On XX/XX/XXXX, I made one more online inquiry at XXXX regarding this cash bonus that I still had not received. I was told that it's still under review. I called Citibank @ XXXX on XX/XX/XXXX at XXXX for XXXX minutes. I was told that I should have received the {$700.00} and the case was still under review. On Monday XX/XX/XXXX, I stopped by a Citibank Branch at XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX. I was told that they could not do anything since I opened this checking account online. On a letter dated XX/XX/XXXX from Citibank, it said that the Promotion Code XXXX was not offered in conjunction with my checking account. I was puzzled : I called the phone number on the advertisement and asked the bank representative to open a checking account for me on XX/XX/XXXX so I could receive the {$700.00} bonus. Now, I was told that the account the bank opened for me did not qualify for this promotion. I got punished for an error that was made by a Citibank representative. For months, we were told not to worry and that we would receive the cash bonus after they mix their internal mistake. I have been lied to/misled by Citibank for almost 8 months without paying me a dime for interest. I had to close my account with CitiBank on XX/XX/XXXX after I transferred out all the money. It's a super unpleasant experience being robbed by Citibank - stealing {$700.00} from me, a medical student. I wanted other potential customers to know about my experience with Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01890
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT CITI XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$240.00} {$240.00} {$240.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX : {$310.00} {$310.00} {$200.00} Credit Limit : {$200.00} {$200.00} {$0.00} Past Due : {$240.00} {$240.00} {$240.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. Charged off account Accounts closed by credit grantor Date Last Active XXXX XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE RESPONSE 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened up an account with Citibank and they ended up restricting my account because I typed my password in wrong so they immediately assumed FRAUDULENT ACTIVITY!! Yeah, not the case. After I opened the account, they were mailing me my debit card and stuff and I ended up moving to North Carolina and by the time the card was sent I didnt live at that address anymore. I have called time and time again and have tried to get ANYONE to help me but they refuse to help me because they want a phone number in my name which I even have now and they STILL wont help me. They say their gon na mail me stuff and they never do. They have my updated and new address and everything. I want my XXXX bucks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: After CITI DOUBLE CASH CARD robbed me of {$230.00} by siding with a merchant who promised 100 % customer satisfaction and to pay for return shipping, but did not honor either promise, as I proved with screen shots of the merchant 's XXXX page, I tried to close my account. CITI 's website says that the way to close an account is to call their customer service number, which I did on or about XX/XX/2023, when I asked them to close my account. Since then they have continued to send me checks, and now they have emailed me that they are sending me a new card. I want this to stop. They are crooks, in cahoots with XXXX scam artists, and I want nothing to do with them. And I don't want responsibility for any checks or cards that they send me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 THD/CBNA lowered your credit limit. THD/CBNA lowered your Credit Limit to {$5000.00}. Source : XXXX Company : THD/CBNA Address : XXXX XXXX XXXX, XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX Activity : Revolving Charge Accounta Previous Limit : {$5500.00} New Limit : {$5000.00} I found this on the XXXX site. I tried to call the number to inquire as to why my credit limit was decreased. The intended use of the card is for special projects. There is no justification, no letter, as to why my limit was increased. Resolution : My credit limit should be re-established to the original {$5500.00} limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Complaint is in regard to Citibank XXXX XXXX XXXXXXXX ) credit card interest assessment. A balance of {$12000.00} ( APR 22.99 % ) which was due on XX/XX/2023 was paid in full, but two days late ( paid on XX/XX/2023 ), and was therefore correctly assessed an interest charge of {$360.00} on the following statement. The following statement balance, including the {$360.00} interest charge assessed, was {$11000.00} and was due on XX/XX/2023. This statement balance was paid in full on XX/XX/2023, six days before the due date. After paying the previous balance and interest in full prior to the due date, the current statement included an interest charge of {$310.00}. When I contacted Citibank to question how interest could be assessed on a balance that was paid in full and on time the previous month, they indicated that it takes two months for a late payment to stop accruing interest, regardless of a timely payment in full after the initial interest assessment. Upon request for a letter stating this banking practice and policy of Citibank, I was informed that they could not provide a letter, and that Citibank was within their legal rights to assess interest in this manner. This is not a banking practice that I am familiar with and defeats the purpose of preventing additional interest charges by paying the amount due, in full, prior to the due date. For convenience, I use my credit card for all personal transactions, and pay the balance off every month. I do understand the ramifications of a late payment in regard to interest assessed, but assessing an almost identical interest for two months in a row on a paid in full and on time balance doesn't seem to fit any model for consumer protection. Can provide detailed documentation upon request through secure link, but prefer not to attach below as part of this submission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX is with bestbuy citibank credit card # XXXX is the case number. Many purchases were made without me knowing or my consent, I had already asked the company to send me a new card. These are some of the transactions. XXXX XXXX XXXX XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX CA {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
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: There were 9 purchases on my Citi bank credit card made in various XXXX stores in Texas which I did not make. All for the amount of {$300.00} each. XXXX and XX/XX/23. My claim was rejected with Citi bank claiming my credit card was present at the time of purchase. My position is that I was at home in Missouri during this period along with my credit card. I had obtained a police report which Citi bank had requested. They asked for proof I was in Missouri and at their suggestion I supplied another credit card statement showing purchases made in Missouri during the same time period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 644XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A