Date Received: 2023-08-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XX/XX/2023 : Opened account on XX/XX/2023 as part of a promotion offering XXXX XXXX XXXX miles upon completion of ( XXXX ) XXXX minimum direct deposits and ( XXXX ) a minimum spend on the card within 90 days ( by XX/XX/2023 ). Promotion code was XXXX. XX/XX/2023 : Met the minimum spend requirements on the promotion. XX/XX/2023 : Met the minimum direct deposit requirements for the promotion, entitling me to XXXX miles by XX/XX/XXXX ( 30 days after completing requirements ) at the latest, according to the terms of the promotion. XX/XX/2023 : Still hadn't received the miles. XX/XX/2023 : Emailed customer support requesting the miles. Recieved no response. XX/XX/2023 : Contacted customer support by phone. Agent verified I had completed the conditions and said I would get the miles within 5 business days. XX/XX/2023 : Still hadn't received the miles. Contacted customer support again. Agent confirmed I had met the conditions and said he would open a case about it. XX/XX/2023 : Received account notice that " we are unable to provide the status on fulfillment of the promotion... you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive '' ( the terms and conditions of the promotion offer said I would receive the miles within 30 days, not 90 as this letter claims ). XX/XX/2023 : 90 days have now passed since opening the account, and the promotion window is closed. I still haven't received the miles, nearly 60 days after completing the conditions, and after XXXX attempts to work with customer service, so I am submitting this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: They threaten to damage my credit report which they did Call me everyday and threaten to sue me brandsource
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I transferred over the entire balance of my other CC to Citi XXXX XXXX XXXX after an attractive introductory consolidation rate and after having an issue with a returned payment from my XXXX XXXX account, Citi has shut down access to online and app based banking features making visibility into the cards balance as well as ease of access to make payments near impossible. Do to their global team of customer services reps who don't understand or can communicate complex questions or issues in basic English they were of little to no help. After calling 5 times and eventually getting transferred the US based AE at CITI they proceeded to put sole responsibility into the determination of the account into there " Back office operations, ' and when it came to process of filing an internal complaint about the account closure they were only able to give me a XXXX XXXX in South Dakota with XXXX insights into who the make the letter in attention to and how to word or phrase my concerns to be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened this checking account on XX/XX/2023 in XXXX Ca. My account was closed XXXX and I called more than 11 times to inquiry about the check which is suppose to be mailed out. There is no tracking available. It has been difficult dealing with citibank. I was treated horrible and I will never ever use this bank again. I can't get a straight answer. The last lady I talked to named XXXX said I should call for 30 days. Citibank has made interest on this money and seem like they are trying to steal my money. They have been very unprofessional with me. The amount of the check is {$6800.00}.
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: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Back to 2008 I Pay off my 2nd mortgage. With Citi mortgage. After paying off they just sent me the congratulations for pay off my 2nd mortgage. Don't have any lien holders release. Today I'm process my new 2nd mortgage with XXXX home loans. They asked the lien holders released. I call citi mortgage it out of business. I was struck right there. I sent the email to XXXX It's not respond..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We have a savings account with CitiBank opened in XX/XX/XXXX. For several months we've transferred the interest earned on this account into our external, personal checking account, via desk top computer and the internet website for our account. We tried to do this around XX/XX/XXXX. XXXX but it would not let us transfer the money. We've called CitiBank various times since then but still can't get our money ( {$26000.00} ) out of this account. When we call them we only get foreign speaking people so the communication is nearly impossible. Everyone we talk to claims to be a supervisor. We've had no results. We want our money OUT of this virtual XXXXXXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64801
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/23, my friend informed me that he made a domestic CA to CA wire to my Citibank account to repay the loan I had previously given to him. The following day I began to watch my account for the funds, but XXXX days passed and nothing was received. I contacted Citibank asking for status, and they informed I need the sending bank to issue a trace. I asked the sender to do so, at which point the sending bank informs me that Citibank contacted them for my XXXX XXXX/Reason for the wire. I passed the information along to them, and they replied the XXXX XXXX to Citibank. This was on XX/XX/23. So the following Monday, I called Citibank to inquire about the status, and still they don't acknowledge any wire. I Contact the sending bank again, and they give me the confirmation numbers and I advise Citibank, and they have no record of it. I visit Citibank branch and ask them to help, and they are also unable to see the wire. The sending bank informs me that they have been sending the asked for information daily, and Citibank has not issued a reply. We conference call Citibank, and they still dont acknowledge any wire. At this point, the sending bank informs they can try to recall the wire in hopes of bringing some attention to the wire, which I agree. That was yesterday on XX/XX/23. Citibank still has not responded or acknowledged any wire.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX XXXX XXXX I received several copies of invoices from XXXX XXXX XXXX of account statements with withdrawals under my name with several different addresses from Citibank with Costco. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called Citibank and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a Citibank savings account. They immediately flagged it as fraud and closed my account without telling me. I contacted them numerous times in mid XXXX. I received no help and was assured that the problem would be resolved in 60 days. It has been over 60 days, I do not have the $ XXXX I put into the account. Not having access to the money is crippling me. On XX/XX/XXXX, they told me they received my report to the comptroller of the currency, and they would no longer discuss anything related to my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I was contacted by Citibank in the XXXX to ask if I recognised a check for {$8500.00}. I replied no and then I called the bank. I live in the XXXX XXXX at the moment. The person I spoke to when I finally got a person to speak with said not to worry it would be resolved in XXXX hours and to call back the next day. I checked my account and saw the {$8500.00} was pending. I assumed they would block the check. The next day I saw it was taken from my account. I called Citibank again and spent three hours on the phone. No one could tell me why the funds were taken from my account after I told them it was not a legitimate check. Then I was advised to close my account for protection and I could open a new one in a few minutes. Although the person I was speaking with knew that I was calling from the XXXX when I tried to open the account I could not because I was in the XXXX and would have to come back to the XXXX to open it. I wasn't planning to come back for a few months so that wasn't a solution. I then asked for my the remainder of the funds in the account {$18000.00} to be transferred electronically into my XXXX Citibank USD account. I was told it could not be done on the phone. I could get a check. I asked how the check would be sent and I was told regular mail. I said I did not want a check for that sum sent regular mail. It should be sent by XXXX. It took me XXXX hours to convince them to do so - I offered to pay. They said they would send me a form to fill out for the investigation. Needless to say the check did not arrive and I had to write to the CEO to get any action and even then it took a few weeks. This money was saved to pay my taxes here ( end of XXXX ) and to pay for lawyers fees ( my husband just passed away ) and I was about to transfer it when this happened to pay these bills. I also was put in a position where I could not receive my XXXX pension payments which went into the account on time. When the check arrived I sent it by recorded mail to XXXX Citibank XXXX account and a few days later when it wasn't in my account I called XXXX Citibank to be told it would take XXXX weeks for the check to be deposited. This is my money and I had no access and still have no access to it. I then contacted XXXX Citibank every day to find out where my {$8500.00} was. I was told I would receive it by XXXX on XX/XX/XXXX. When it did not arrive I called every day. No one could tell me anything about the check. Finally last week I was given a tracking number for XXXX. When I asked when it would arrive they could not tell me. I called XXXX and they said they weren't given anything to collect. It is over XXXX weeks and I don't have my money and I have been under considerable stress. This is a lot of money for me and after decades of being a Citibank customer I have been treated abominably. I sent another letter to the CEO and got a letter saying someone would be in touch in 15 days. This is unacceptable. I want action, I want compensation and I want interest. I feel totally impotent.
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: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A