Date Received: 2023-08-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX XXXX is report an inaccurate amount which i have conirmed with the lender they did not due. They also confirmed that they do not report before the statement closes, which in this case is on the XXXX of every month. They has sent an investiagation as well but this has affected my score and my uilization and a violation under the FCRA. I also have a bank statement that confirms this amount should read {$2000.00} and i spoke to a representative today at XXXX name XXXX XXXX XXXX who confirmed this an error not by them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Problems with Citibank : 1 ) Citibank has chosen to close my credit card account. They would not explain the reason for closure over the phone. They claimed they would send the reason by postal mail. I never received it. 2 ) Citibank owes a refund of {$200.00} I never received it. 3 ) I have phoned Citibank many times to solve this issue. Each time I call, a phone rep tells the new date that I should receive the refund, and the letter of explanation. 4 ) Any issue of post office delivery was resolved months ago. There is no local issue. 5 ) This " lip service '' from Citibank has been going on since early this year. I also filed complaints with this consumer bureau back in XXXX ... .still no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XX/XX/XXXX : We charged {$17000.00} to this card for an XXXX XXXX rental in XXXX. XX/XX/XXXX : We paid the bill in full to Citibank CC XX/XX/XXXX : XXXX refunds {$17000.00} to this account as they cancelled our rental due to the building being sold. XXXX. XXXX : Initial call to Citibank CC to request a refund of the large balance. XX/XX/XXXX : {$16000.00} is removed from our account for the requested refund. We do not get the refund. XX/XX/XXXX : XXXX XXXX calls to see where the refund check is. Citibank CC says the check was drawn on XX/XX/XXXX and we should wait another XXXX days for receipt. XX/XX/XXXX : We have not received refund so XXXX XXXX calls again. We are told it was sent and has not been cashed. We are told that we now have to therefore cancel this check that was " lost in the mail '' in order to request another check to be sent. XX/XX/XXXX : We again call to be sure another check is being sent. Yes we are told it is in process XX/XX/XXXX : We have not received the second check and XXXX calls again to see where it is. We are told by XXXX the check was AGAIN cancelled by us but it was not done by us. We are never told why this happened. We ask for ANOTHER ( third ) check to be sent. Are told it will take several days to review again for XXXX days by a panel, and that we need to wait another XXXX days to send and receive that THIRD check. We were speaking to XXXX and told his supervisor is XXXX XXXX. XX/XX/XXXX : XXXX XXXX calls again to check status of the check. He is told the refund was not approved. Our account shows {$16000.00} was again returned to our account ( this is the money we want refunded ). We do NOT need want or request a {$16000.00} credit be applied to the Costco account. We need the money back. We are told the rep is again requesting a refund for us and it will again take XXXX days to review and XXXX days to get it in the mail, or we may be able to request that the money by electronically transferred into our account at the time of review approval. Today we have nothing but assurances and no idea if we will ever receive this money back without taking some type of legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Back in XX/XX/2023 both my checking and savings account were closed by Citibank, i spoke to a Citibank representative and stated that my account was being closed and i will be receiving my funds in a cashier check through mail XXXX days after the account was closed. Its been over 70 days now and i have not received any checks by Citibank. I call in Citibank to get an update of my funds and i get transferred to many departments ( fraud prevention, security department ) and no one seems to give me an answer. There response is the back office has to email us back with an update. Ive called so many times for over 3 weeks now and get the same response. They give me a call back date and no one seems to give me a response or just hang up because i am no longer a account holder, i ask so who knows where my funds are at, and all they can respond is I dont know. This situation is getting really frustrating. I have received bank statements through mail and it shows that my funds were pulled out of my accounts back in XXXX XXXX. So it has been over a month now that my funds are no longer in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We opened a credit card through Costco with Citi Bank, which we used for vacation. We made a large payment against our large balance, we sent in a check for {$5000.00}. We did this believing that the funds would go from our bank, to the credit card, and then we would have {$5000.00} in available credit on that card to use. But we do not. Citi Bank has taken the money from my bank, but will not allow me to use have that amount available for 288 hours, or 12 days. The check we sent began processing on XX/XX/XXXX and was cleared from our account as posted by our bank on XX/XX/XXXX. Although Citi Bank policy states to allow up to 48 hours for large transactions, they will not release the balance until XX/XX/XXXX. Multiple calls to customer care and management have resulted in an unequivocal no from Citibank. They will not, and can not do anything to allow this balance to be available for use. This Citibank policy was not written or disclosed at any point. Had I as the customer been properly informed that there was a policy that any large first time payment would be under Review for such a long period of time I would not have made such a large payment. However, because I was trying to be financially responsible and pay my debts, that amount of money is not available for my use either on my personal bank account or from my credit card. This is a situation that I did not anticipate because their policy did not disclose it. Now it is the first week of school and I have no money in my bank and no money on my credit card. I made such a large payment out of my bank funds under the belief that at the worst, I would have to wait a couple of days before being able to use that amount of money on my credit card. Our financial plan for this pay period was to use the credit card to pay for food, clothes and school supplies for the first week of school. Then next pay period make another large payment, thus using our credit card as it is designed to be used. Now I am forced to take a 401 ( k ) loan and overdraft my bank account by several hundred dollars. Each and every transaction up to a max of {$1000.00} will result in a large overdraft fee of {$25.00}. When this is all said and done I am anticipating having a financial loss and damage of around {$2000.00} because of a policy that I was not informed existed, and has no recourse to correct. I can not feed my kids, I can not but school supplies, I can not put gas in my car, and I am am powerless because I was trying to be responsible. My best hope is that my 401 ( k ) transaction clears before I reach my overdraft limit. Upon multiple attempts to work through this, the best resolution offered was a {$50.00} credit to my rewards balance, which will be available to use in XXXX, which is 6 months from now. If I were to do something similar to my credit card company, they would be fining me thousands. To make matters worse, they stated that if we had paid with a debit card, it would have never gone for review. I wont begin with the discussion on the security of debit card transactions and fraud vs a signed check with a routing number, because as the government body overseeing this, I am sure you know more about that than I do and see the ridiculousness of that. Citibank, at this point it feels like they are stealing from me. They stole my {$5000.00} and because of an undisclosed and I detailed policy, I am penniless for almost two full weeks. And they have offered no reasonable solution. In addition, their unethical actions will cost me thousands in penalties and fees. Please call for more information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Macys/Citi Bank called a friends cell phone looking for me after being five days late and never contacted me I never provided them this person 's information and Macys told me they searched me instead of calling me or emailing or texting me directly this is a complete violation of my rights and privacy. Macys as admitted to this to me. I want to file a formal complaint. I am the customer not my friend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91040
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: On XX/XX/2023, I filed a complaint against XXXX XXXX, for not giving me the refund of {$440.00} as promised. This was on my Citi Rewards Credit Card. The Disputes Department failed to send me the letter for additional information and, subsequently, closed the dispute out on XX/XX/XXXX in XXXX 's favor and put the charges back on my card. I called CitiBank, who said the notices were sent electronically under my account. I explained I wasn't aware of this and the dispute was reopened. I sent supporting documentation ( attached here for your review ). CitiBank has once again failed to give me a conditional credit and again closed the dispute. According to a representative I spoke to, the notices on my account were generated automatically but the dispute had not been closed out and my response has been sent to XXXX XXXX, who has 45 days to respond. I was advised the conditional credit would be put on again, but this has not been done and payments are still being taken out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened my business account with Citibank, NA in XX/XX/2022. I deposited consistently into my account. In XXXX my balance was approximately {>= $1,000,000}. I proceeded to pay my vendors and withdrew for my payroll, etc. Citibank has placed a hold on my account where I can only deposit but can not withdraw due to a fraud alert. After verifying my account for the hundredth time, they absolutely can not remove the alert, although I went through ample verification process and everything should of been fine. After I gave them ample time to resolve whatever issues they were having, I proceeded to call them and they said they are in the process of closing the account and will forward my balance of over {$60000.00}. I called Citibank every week thereafter and even went into various branches where none of them can even locate my account. I continued to call and I get re-routed to their Fraud Department in XXXX somewhere, where hardly anyone speaks English. This has been going on for almost 9 months. Please help me retrieve my my money from this crooked bank and I will go my merry way. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new account with Citi Bank and provided the account number and routing number as shown in my mobile app to my employer for direct deposit on XX/XX/XXXX. The direct deposit was made on XX/XX/XXXX by my employer but it was not credited in my account, I had a financial obligation on XX/XX/XXXX which depends on that amount ( XXXX ). Upon reaching out to Citi bank all day long they told me the amount will be deposited by the end of the day, which never happened and I sustained a financial loss on that day due to that. On Friday XX/XX/XXXX Citi Bank sent a letter to my employer stating that I entered a wrong routing number and they provided the correct routing number and my employer sent that back to them ; the routing number I entered was provided to me in my Citi account info app ( will be attached ). Till this moment, the funds are not in the account, no reason was given by Citi bank despite reaching out to them more than10 times daily and me continue to get financially harmed by lack of funds. My Citi Acct number is XXXX, the routing number as it appears on my account info is XXXX, the correct routing number which was given by Citi to my employer is : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been a customer of Citibank with excellent credit for approximately XXXX yrs. and seldom had any issues using my 4 credit cards until this year. Starting around XXXX this year, XX/XX/XXXX my Citibank credit card ending in XXXX was declined for my XXXX needs at the local XXXX XXXX XXXX. I tried 3 of my Citicards at 2 different registers all having XXXX in available credit and all were denied. This was very embarrassing as this was a rural local store and almost everyone knew me heard all my cards continue to get declined. I called Citibank immediately and was first informed my cards info was incorrectly inputted, which was not the case as the sales agent had used the card reader at 2 different registers to insert my cards. Then I was transferred to the fraud department, who advised me there was a fraud issue with XXXX XXXX and that they would remove the lock on my cards and promised me it wouldn't happen again. It has happened repeatedly every single time since then that I've tried do use my Citibank credit cards at my local XXXXXXXX XXXXXXXX. I always call them complaining and get the same response as above. They promise it won't happen again and it does over and over again. The last time I called them for my card being declined at XXXX XXXX, XXXX, XXXX, again was around XXXXXXXX XXXX XXXX. This time the agent informed me that the reason was that the XXXX XXXX were refusing to allow the use of their credit cards at their stores. Is this legal for Citibank to issue cards not being accepted where it states they are accepted My? My credit card ending in XXXX, was declined again yesterday at the XXXX XXXX XXXX in XXXX, XXXX. In the amount of {$42.00}. This has been horribly inconvenient and embarrassing as these are the only stores for me to shop at in my local rural community. Is this legal for Citibank to continue to decline my credit cards when the cards are valid and should be accepted? Thank you for assistance!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 807XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A