Date Received: 2023-08-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I filed a complaint with Citibank because I still have not received my funds from my closed account. On Friday, XX/XX/XXXX, I received a response from the bank where it tells me that my check will arrive at the address between 7 to days In the response they send me, they do not inform me of the tracking number and the company through which they sent it. This information is necessary since they have been with my money for a year and 6 months
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened my account with Citi Bank on XX/XX/XXXX. I promptly change my direct deposit information from the XXXX so that it would help fund the account. On XX/XX/XXXX I received notice via email that the account is restricted and will be closed. I then changed my direct deposit information with the XXXX so that it would not be deposited into the now pending closing. I called Citi Bank and they assured my that the deposit would not go through and that it will be returned to the XXXX After calling today to get an update on the deposit, Citi Bank stated that the deposit completed and that I would have to wait 60 days for a paper check. This is after stating that because my account was restricted no deposits can be made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My home depot credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. 1st they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXX they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XX/XX/XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me two years to get to XXXX and now I'm back at the bottom again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023 I used the bank atm to deposit {$8800.00} onto my bank account and the atm took my money and did not place the money in my account. The branch confirmed the money was in the atm but they have not deposited or returned my money to me. The bank is Citi Bank.I 've called several times to the customer service and the branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I tried accessing my account online and was unable to do so. On the same day I called Citibank and spoke to XXXX and XXXX XXXX XXXX said that he was a supervisor ). XXXX told me that he could not help me. I would like you to help me get this issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/23 I opened a new Citi Checking account that advertised a promotion for XXXX XXXX XXXX for XXXX XXXX. Below is a breakdown of what was offered. XXXX XXXX XXXX bonus miles of After completing the following within 90 days after account opening Qualifying Citibank Debit or ATM Card Purchases of Enhanced Direct Deposit XXXX {$1000.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$750.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$500.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$120.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more On XXXX I completed the direct deposit requirement by depositing a total of {$1700.00} over two separate deposits from my paycheck. On XX/XX/23 I completed the debit card purchase of {$1000.00} by spending {$1000.00}. I've had Citi bank reps confirm I've met all requirements and should have received my award miles 30 days after completing the terms. This is confirmed by the Terms Of Service I received in an email from Citi that can be seen in the attached document CITI _ CITI XXXX. After not receiving my earned miles, I wrote to Citi to ask why they had not been credited, and received a letter from Citi stating that the terms were now different than had originally been advertised and that I wouldn't receive my award miles until at least 90 days after account opening, and could be as late as 30 days after the 90 days was reached. They are refusing to honor the terms of the promotion that was advertised and this is impacting my ability to plan a trip that was to use the awarded miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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 was charged on my citi credit card and have tried to resolve my complaints with Citi for many months with no assistance. I was originally charged {$100.00} four times for a few from XXXX XXXX for entry into the XXXX XXXX XXXX I was not aware that XXXX required an entry forum to entry the country until we arrived at the airport. We quickly searched how to do this and this company came up and charged a fee of {$100.00}. We had 5 people with us where 4 used the Citi Credit Card and one used XXXX credit card. I I quickly learned later that day that this entry forum is free by going to the XXXX XXXX 's official site. This is a scam and I disputed all 5 charges as I had no way to contact this company. The XXXX charges were credited by the company but they have not done so with the four charges made on the CITI card. I disputed this with CITI and provided proof of the XXXX refunded the {$100.00} on my XXXX credit card which proofs that they agree that I should not be charged for a free service. This company may offer other services but that is not the intent and why I feel scammed by this company. CITI has been unwilling to reverse the charges despite my numerous calls and documentation, and explanation. I have no way to dispute with XXXX as they have no phone number and not located in USA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was targeted for an offer to open a Citi Checking account and gain XXXX XXXX XXXX if I met the requirements. The requirements were to spend {$1000.00} with my debit card and make two direct deposits totaling {$1000.00} or more. The terms clearly say the miles will post to my account within 30 days of completed requirements. I opened the account on XX/XX/XXXX, completed all requirements on XX/XX/XXXX and have reached out to Citi twice. They continue to give me the run around and no straight answers. Thanks for looking into this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: To whom it may concern, I WANT TO FILE A PRESIDENTIAL COMPLAINT. On XX/XX/XXXX I opened a short-term ( 3 months ) Certificate of Deposit ( CD ) account with Citibank. Once this account matured, I no longer wanted to continue the CD account and called Citibank at ( XXXX ) XXXX ( this is the phone number I received through email to call to cancel the account ) on XX/XX/XXXX to close out the account and for me to receive the funds. The representative I spoke with mentioned she was canceling my account ( reference number for closure of XXXX ) and that I should receive a check by mail no longer than 10 business days. After about 2 weeks of not receiving any check, I once again called back, and after speaking to another representative they mentioned that the person that had initially submitted the inquiry to send the check out did so incorrectly and that the check was never sent out. After speaking with her, she mentioned that the check will arrive this time within another 10 business and that the back office was the one distributing the funds. Another 2 weeks go by and no check has been received, so I decided to call on XX/XX/XXXX once again to find out what was going on. This time I asked to speak to a manager, which I believe his name was XXXX. When I spoke to the person in charge, I explained to them the situation and what was going on. They verified my mailing address ( which of note, is the same address that I have always had on file, it has never changed, and I also explained to them that I was getting corresponding letters from Citibank for promotions on credit cards to that address, although the check for some reason was not arriving ) and told me that once again they'll place an order for the back office to reissue the check and place a check stop on the current one. I ask if there was a way I can track/expedite/sign off on the check once it arrived but they told me there was nothing along those lines that can be done and I would have to wait. During this conversation, I explained to the manager this would be the 3rd time sending out the check, I also told them to notate my account regarding this issue. I also asked if there was anyone else in charge I can speak with regarding this matter, but I was told I would just have to wait and nothing could be done at the moment. After roughly another 2 weeks going by and no check being delivered, I decided to go to one of my local branches in XXXX ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX ) to resolve the matter. Once I arrived, I spoke to one of the representatives there and explained to them my situation. He said that the potential reason for not receiving the check was probably due to my address and that he will update it and reissue a check ( my place of residence is an apartment and he mentioned the apartment number was placed in the wrong place ). I explained that I still received corresponding letters from Citibank to the address and didn't think this was the issue. I told him to notate my account regarding this encounter as this would be the 4th time them reissuing the check. Once again I asked about expediting/tracking/signing off on the check but was told that couldn't be done since the back office is the one that deals with this. I asked for the back office phone number but was told they didn't have it. I asked if the branch would just be able to just write me off a check but was told because I had canceled the account via phone originally, the back office was the one dealing with the check and the local branch would not be able to give me a check. I was told it will take up to 10 business days again. Once again, another 2 weeks go by and no check has been received. I decided to once again go to the XXXX location and once again explained the whole situation, this was on XX/XX/XXXX. I asked to speak to a manager and was told they were really busy at the moment and that they would not be able to help me out currently. They explained to me that it would be better if I went to the XXXX XXXXXXXX branch because it was a slower location and that the manager there would be able to assist me. I decided that same day XX/XX/XXXX to go to the XXXX XXXXXXXX branch ( XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX ). I spoke to XXXX the general manager that day. I explained to him the whole situation. He sent out an inquiry to client care and told me I would be getting a call/email/letter correspondence regarding the issue in a couple of days. He explained that I would have to wait on a response from them and that he couldn't do anything at the moment. After about a week and a half, I received a letter from Citibank 's Corporate office through the mail stating " Our records indicate that on XX/XX/XXXX your 3 month CD was closeout at maturity with no penalty with the amount of {$20000.00} and the check was issued to your mailing address on XX/XX/XXXX. If you wish to have the check stop and re-issued, please visit the branch where the check was issued to have a stop payment placed ''. On XX/XX/XXXX I went back to the XXXX XXXXXXXX Citibank branch to speak to XXXX the general manager and showed him the letter. I asked if there was any way the XXXX XXXXXXXX branch would be able to make out a check with the funds or create a checking account with the funds in it but he said he was unable to do that. Out of all the people I interacted with, he was the only one that really tried to help me out, although limited in what he can do. I want to submit a presidential complaint against Citibank because it has almost been 4 months since the closure of my account and I still have not received any of my money. I was able to receive the corresponding letter about the inquiry of this case, but for some reason, the check never seems to arrive. When I tell them to track, or for someone to sign off on the check when they receive it, Citibank tells me they're unable to do that, which I find ridiculous. When I ask the local branches if they can make me out a check with my funds, they're unable to do that as well. I have had to spend countless hours on the phone/in person regarding this matter. When I contacted customer service to obtain all the records/notations of my account regarding this matter for my personal record, they tell me they're unable to provide that to me. I will never ever again invest any money with Citibank, this has been an extremely frustrating and awful experience. I don't see why I have to jump through hoops to get MY MONEY! When I call Citibank 's main number no one is able to help regarding this issue, again they tell me they can reissue the check but every time they have done that I still don't receive anything ( although I do receive all other letters to that address from Citibank ). Every time that I have gone to a local branch it seems they want to through the blame on someone else or the branch is very limited in what they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A