Date Received: 2023-08-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX XXXX XXXX I applied for the Citi AAdvantage Platinum Select World Elite Mastercard. I was denied and the reason given was : " -You have filed for Bankruptcy and your previous account ( s ) with us was included in that filing. - The credit privileges on your existing account ( s ) are currently restricted. " The consumer reporting agency cited was XXXX. I know the bankruptcy cited is incorrect and I contacted XXXX to pull a new current report. There are no bankruptcies on my report. In fact Citi issued me 2 credit cards in the last 2 years without any issues so I am at a loss what they are referring to. I am confused as to what they mean by your existing account ( s ) are currently restricted because my current cards are active. I have called Citibank and tried to find a means to discuss these issues and get this corrected. I keep being given numbers that lead to an automated system that reads back the decision letter to me and disconnects. All efforts to have a representative assist have been futile as they all send me to an automated system or a number that rings for 5 minutes moving from one extension to the next before finally disconnecting. The rejection letter states " If you have questions, call us at XXXX or go to Citi.com ''. The number is for the automated system the reads back the rejection decision and hangs up. The Citi.com website has nothing further to share on what can be done. No knowledgeable Customer Reps are available. Everyone I speak to reads off a script. If your question is not on the script they can not help you or will send you to a dead end number. I need someone who know how to remedy this to call me as they have made a decision based on erroneous information and are refusing to correct it. I am at the verge of canceling my current Citi accounts and never doing business with them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have applied for citibank 3 times in the past year, 2 times an account was opened. Last year and this year. The first time was XX/XX/XXXX, but before opening the account had major issues verifying identity. I solely blamed the company for fault as repeatedly I had asked them to do a security call. And answered the call each time with the line going dead or no response heard. Any voicemail left was unintelligible. So next step was this security code via mail. One of which was never received, there security team had stopped giving any information without this " code '' and hung up every single call. I couldn't even verify when this alleged code was sent out. I finally received it almost 3 months later! Appalling to say the least, then after all the hassle, my debit card never arrived, more delays. Someone had entered my address wrong... go figure. So I get my debit card more than XXXX weeks later, I activate it and set up online banking. Less than XXXX later I'm locked out of my account and guess what the account was closed, I was informed I'd get a letter, I waited over 1 month and got no letter. Funny during this time all my welcome kit and other letters arrived but nothing relevant! Security team were useless, called repeatedly wanting answers and refused to talk to me further and hung up rudely. Fast forward to XX/XX/XXXX. Via phone I apply for a citi priority checking account and savings, after successfully identifying myself, they opened the account but couldn't send a 1 time pass code to my phone and said once I receive my welcome kit in the mail, to call back in once I had my card details. Welcomed me back to citi. Nothing received as of XX/XX/XXXX, however I get a XXXX statement XX/XX/XXXX that is dated for XXXX and the account is closed. Again received no debit card, email, phonecall any mail correpspndance or anything. Just one measley statement Citibank have opened accounts these accounts made an inquiry on my consumer report. And it shows my name and not sent ANY communication or correpsondance and closed them without reason and it's almost 1 month post opening and none of which the banker I spoke with on XX/XX/XXXX had turned up in the mail. At this point I believe I am being targeted and profiled because this is the 2nd time the same exact process happened where mysteriously I have no correpsondance or communication again and didn't even get a chance to deposit funds in the account or do anything! It's utter garbage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, initiated a product change from Citi Premier to Citi Custom Cash card. The snnual fee of {$95.00} for Premier card was said to be refunded within 7-10 days, since Custom Cash card has no annual fee and the change mafe within 30 days of the fee posting ( XX/XX/XXXX ). A chat inquiry on XXXX XX/XX/XXXX informed me that the refund would occur on XXXX XXXX far longer than 7-10 businesses days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: ISSUES : A ) APR increase violated terms agreed to, and it's unreasonable. B ) Improper and questionable notice of the increase. C ) Billing dispute. D ) Closed account without my express authorization. A ) Around XXXX or thereabout Citibank called and offered XXXX XXXX + Variable Prime if I transferred money to its Diamond Preferred Card. It stayed that way until XX/XX/XXXX when Citibank got too greedy due to the ongoing Fed 's increases, and then yanked the XXXX from 6.24 % to 15.99 %. Citibank cited my credit score of XXXX, which was baffling given the excellence score and flawless credit history. B ) The notice was tucked in on page XXXX of the XXXX bill. Citibank intentionally failed to mail such an extremely important life impacting notice in a separate mail to ensure it was not missed. Citibank sends to me numerous nonsensical other notices in separate mail, raising question why the increase was not sent separately. I regularly make my payments online. C ) By the time the outrageous hike caught my attention I already made {$1600.00} purchases on the card past the since the new rate date of XX/XX/XXXX took effect. Consequently I quickly made a payment of {$2400.00} to offset the purchases, with {$67.00} left to cover the regular monthly payments on the balance prior to the hike. However, Citibank lumped the purchases with the preexisting balance in order to disgustingly and unconscionably keep charging me both the old rate and the new rate, despite being informed, clearly, that {$2400.00} was precisely made to offset the purchases that were made due to receiving their notice late. To ensure that this problem got resolved I asked Citibank to provide me information how much of the {$2400.00} went to the previous balance and how much went to the new purchases, and what was left of the purchases so I can issue a new payment to get rid of it. Citibank refused. D ) I then clearly Citibank that the alternative then would be to wipe off the entire balance and close my account and seize all business relationship for good. The language was pretty clear, yet Citibank went ahead an closed the account but did not write off the balances to end the business relationship. When notified Citibank stated it would reopen the account. At the time of this complaint Citibank has not done so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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: Consumer Financial Protection Bureau XXXX # XXXX Please see prior case number. Citi agreed that the charges are fraud but never reimbursed me. I have been charged three times and reimbursed either once or twice ( two transaction numbers but both for XX/XX/23 on different statements. Charged {$2000.00} on XX/XX/23 Charged {$2000.00} on XX/XX/23 Reimbursed {$2000.00} on XX/XX/23 ( XXXX - XXXX statement reference ID ) Charged {$2000.00} on XX/XX/23 It is possible that I was reimbursed twice on XX/XX/23 as I have a line on my XXXX statement and my XXXX statement with different transaction IDs ( XXXX is the reference for XXXX ). However, I can not get a view where I can see both together so it may be a duplicate. Regardless, I am still waiting for at least one reimbursement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citi Double Dash card, engages in unethical practice of issuing a high credit limit and promotions to get you to use the card, but as the credit is used they continuously decrease limit to it's just above usage amount creating a loop of decreasing your credit score and lowering your limit. Customer service acknowledged the issue, to no resolve, as they sight risk assessment, to which they cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Good afternoon! I opened an account at Citi Bank using my personal phone number, which I still own to this day. The account with the phone was opened for me at AT & T. On XX/XX/XXXX my account was restricted due to two XXXX transfers. On XX/XX/XXXX, I called Citi Bank in the fraud department, according to the letter I received. I called more than 30 times, they tried to verify me using my phone number ( which I used when opening my account ). They could not verify me because they said that this number does not belong to me. Although I have confirmation from AT & T that the number and account belong to me. When I called again on XX/XX/XXXX, a bank employee told me that they sent me a letter with a verification code by mail, although I myself am outside the US, on treatment. My mom checks my mail. They assured me that the letter would arrive in 5-7 days. After 10 days there was no letter. I called again, already another employee told me that I had to wait 10-12 days. When asked how to verify in another way, the employee hung up. I called many times with a request to verify in a different way, since there is still no letter, I was refused. All my money is in my blocked Citi bank account, I can't pay bills and other payments because they hold my money. Please help me. What i need to do now?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was charged of {$12.00} service fee on XX/XX/XXXX when I was out of the nation. At the time, my savings had a $ XXXX balance. Their online chat got disconnected frequently. When I tried to call, the calls were disconnected at least 3 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Citibank savings account last month. I needed access to the funds due to a broken air conditioner during a heat wave. I have been prevented from accessing the funds due to a fraud alert. I have spent over XXXX hours on the phone with Citi over the past 10 days trying to get this resolved or simply close my account in order to access the funds, but have not gotten resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I applied and received a Citi bank card where I could do balance transfers with no interest for 24 months. I transferred a XXXX balance .and an XXXX that is XXXXXXXX XXXX XXXX I was unaware at the time XXXX did not allow balance transfers. Upon looking at the Citi account there was a transfer, but it was not my account. I spoke with customer service several times and also wrote a letter of demand in XXXX to remove the XXXX transfer and reimburse me transfer fees. Each inquiry was given a 30 days to investigate. Each month XXXX, XXXX & XXXX customer service said it would open a 30 day investigation. I have not had the transfer removed and no communication from Citi. The last communication I was told to report my Citi card lost or stolen and this would freeze the account. I did not do this. I want that transfer removed and reinbursed the fees charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A