Date Received: 2023-07-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Just received a bill from city cards for {$260.00} on a card that I have never owned. I dont even have a city card other than a Costco card which shows a XXXX balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Im in a XXXX country with one new Citicredit card ( which I wont do again ). I hit my limit which is unusually low from my experience. Citibank advised that I make a payment early using their pay by phone system. I immediately paid early in FULL as they advised. Citibank placed a hold on my payment for 7 days due to the large amount and because I paid by phone. The funds have been withdrawn directly from my checking account and I have no access to my credit line. I asked them to increase my credit limit, which they declined because I had reached my limit. Which comes first the chicken or the egg? I have an XXXX credit score. I have no debt, except for this credit card. My homes are paid off. I have a 1 % credit utilization as reported by XXXX. I am stuck in a XXXX country with no access to credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have reached out to Citi Bank two times in the month of XX/XX/2023 to confirm if I have met all the requirements so that I can earn the promotion of XXXX Advantage miles. One representative confirmed earlier in the month that I have completed and met all requirements and that it will take 30 days for my bonus miles to appear in my XXXX XXXX XXXX account. The second representative who I spoke to today also confirmed that I have completed and met all requirements, however they are telling me that I have to wait 90 days. Please help me! No one at Citi Bank seems to be on the same page with accurate information. On my offer letter ( attached ) it clearly states that after I complete and fulfil all requirements that the bonus miles of XXXX Advantage miles will be deposited in 30 days. As of today it has been more than 30 days and still no bonus miles received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to provide an update on an ongoing issue I have with Citibank. To provide a brief overview, I had initially submitted a complaint ( Case # XXXX ) regarding the difficulty in closing my Citibank accounts . Subsequently, I received a communication from Citibank 's Executive Response Team dated XX/XX/XXXX through the CFPB, confirming that all my accounts were closed. This was a satisfactory outcome. This bank account closed confirmation attachment is provided. However, on XX/XX/XXXX, I received an email from Citibank prompting me to update my contact preferences for an account that I understood to be closed, causing concern and confusion. Their email clearly shows the " Account ending in : XXXX '' bank number on their communication. I reached out to the Citibank Executive Response Team via email on XX/XX/XXXX, requesting clarification on the status of my accounts, removal of my personal data, and unsubscribing from future promotional and account-related emails ( copy of this communication is attached ). Despite waiting for a response for more than 8 days now, Citibank has failed to acknowledge or address my concerns. Given the lack of response, I am understandably worried about the handling of my personal information and the true status of my supposedly closed accounts. I am seeking your assistance once again in this matter to ensure my accounts are indeed closed, my personal data is protected and handled according to the proper privacy laws and regulations, and to cease receiving promotional or account-related communications from Citibank. I appreciate your continued assistance and look forward to a resolution in this matter. Please do not hesitate to contact me should you require any further information. Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86004
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Was charged an unexpected annual fee. Was told I had been notified in XXXX and accepted the annual fee. Asked what notification I was given and was told it was on my XXXX statement. It was not. Was told it was in " Notices and Letters '', it was not. Finally found it on my XXXX statement. If it takes them 3 tries to figure out where they slipped it in on a statement that I have no reason to open ( I receive electronic statements and as long as the balance looks reasonable, there's no reason for me to log in and download the pdf since I monitor transactions online ), I don't think it's reasonable to expect me to have seen it. Including it as a paragraph on an e-statement and not as an actual notification seems like insufficient notice for a {$450.00} charge. If I get standalone emails about changes to privacy policy, revised definitions of terms, and important items in my statement ( like an annual reward check ), I'd think I should get a standalone email about a new {$450.00} change in fee. The paragraph said that my annual fee was changing to {$450.00} and the authorized user fee would be {$0.00}. They then charged me {$490.00} as an annual fee and {$75.00} per authorized user ( there are 3 ) for a total of {$720.00}, not even following the fee schedule they " notified '' me of and I " agreed '' to of {$450.00}. I was out of the country when this happened ( charge posted XX/XX/XXXX ) but then spent an hour online chatting online with an agent on XXXX who suggested I change the card to a no fee card and that if that wasn't agreeable, I should call ( which is when I was told by the agent I had been notified and agreed to the new fees ). Spent 45 minutes with them during which they said there was nothing they could do but that I'd hear back in 48 hours. I did not hear back. I spent another hour or so on the phone on XX/XX/XXXX being told they knew nothing about the ongoing inquiry but they'd be happy to start another one. I asked why I hadn't been contacted within 48 hours and she said that there was no reason to expect a response in 48 hours, it can take months for them to sort these things out. I asked what a reasonable estimate would be for her new inquiry and she said there was no time limit, but again, wouldn't be surprised it if took months or more. Given that my balance, including this erroneous fee, wasn't due for another week or so ( 2 weeks from my initial complaint ), I asked that they remove the erroneous fees while they investigated it and she said there was no way for them to do that. I asked if there was any confusion over what the correct fee should be, or any reason they should be charging me {$720.00} instead of the {$450.00} that was on the previous " notification '' ( which I would still dispute as proper notification ), and she said no. I explained that I did not want to loan Citi {$270.00} for months or more while they performed their investigation at 0 % interest and she said that I could just underpay my balance by {$270.00} and then dispute the charges each month. I explained that sounded absurd and that they should just adjust the account by {$270.00} now and she reiterated that this was simply impossible. So here we are at the end of XXXX, almost 4 months later, with absolutely no progress made. I had filed a complaint with NY Department of Financial Services on XXXX and they just informed me that since they are not the primary regulator, they'd suggest I file with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We opened an account with Citibank two weeks ago and it has been a whirlwind of a nightmare to say the least! First of all I deposited a check to savings and it was flagged I spent two days trying to straighten it out from calling the person who gave me the check to call them, to two people from the accountant department of establishment that provided the check. I called a total of 11 times asked to speak to supervisors was hung up on several times was told they werent available.finally got a supervisor and asked her what else I can do to fix the problem and asked her why she froze my checking account when the check was deposited to savings and they hadnt paid anything! and then asked her to just void the check and I will deal with it at a different bank! Her response was it was fraudulent activity and they would continue to keep it locked and move to close the account! Two hours later I called back spoke to someone else and she said that email came through from the maker four hours prior and you should be all set. What! She removed the hold now two days later checking is locked cant get to my funds! I might add that savings isnt affected but funds I deposited four days ago are still on hold! I call three times oh that department is doing maintenance! Call back! I just want my funds and to close it! Thank you! Never once did they even notify us of the problem either time, so we would know not to pay anything! They need to be investigated they are shady! Also never ever had a bank have you tell them your account number and ask you for your pin! your pin is suppose to be protected!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On Friday, XX/XX/28 I reviewed by Bloomingdale 's account and noticed that my credit limit was decreased from XXXX to XXXX dollars based on the fact that I missed a XXXX interest fee after paying the account in full a few days previously. When I missed that payment they pulled my credit report and based on history that was the factor in decreasing my credit limit. I initially called and spoke to agent # XXXX I was informed that when I paid the past due amount with her she would transfer me to another department so they could reinstate my credit limit. I asked to be transferred prior to making the payment to ensure that this information was correct. I then was transferred to agent XXXX who then informed me that once I paid I could request a credit line increase. Why would I request a credit line increase, I was told it could be reinstated, by request only i was informed. Why would I, because you would be looking at the same credit report that you decreased my balance on. I finally requested the increase and of course was denied. After speaking with that agent I asked to be transferred to her supervisor only to be kept on hold for over XXXX XXXX when the call " suddenly '' dropped. I tried calling back from my cell phone and the call would drop before it even rang. I then used my landline to verify that the call would go through which it did. The fact that I was punished with over XXXX XXXX of my available credit being removed seems extreme at best. Yes, my credit history is not the best, but it is a history and my history with bloomingdales has been impeccable which is even what the agent expressed to me. I just want fairness and I want to be treated like a human being who doesn't constantly want to be punished for past mistakes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is an addendum to my previous complaint. I would like to add to it, I got a hold of the supervisor in the security department and was told that they moved forward to close my account even though the initial reason of the deposited check being flagged was cleared, they are gon na close it anyway and I have to wait 30-60 days for this to happen and to get the over XXXX out of my accounts! This is ludicrous and will affect my credit and has caused me great anxiety and stress for a week straight! They need to be held accountable for their actions Citibank account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT XXXX, XXXX. Original creditor : XXXX XXXX XXXX XXXX Contact info Name XXXX, XXXX. Address : 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 XXXX BUSINESS DAYS OF FRAUD RECEIPT. A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 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 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48210
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 Service for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX was completed and a check for {$750.00} was signed by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) was mailed. XX/XX/2023 Check from XXXX XXXX XXXXXXXX was deposited into my ( XXXX XXXX ) checking account ending in XXXX ( Check # XXXX ). XX/XX/2023 Check is shown to be posted and processed by issuing bank ( XXXX XXXX ) XX/XX/2023 Check was under investigation for alleged fraudulent activity and account was placed on hold. XX/XX/2023 Check deemed fraudulent and checking account in the beginning stage of closure without any warning or reason. XX/XX/2023 Account still in process of closure and funds previously on account have been held as well as the {$750.00} check deposited. XX/XX/2023 Told I was unable to create a claim to retrieve the funds of {$750.00} from check deposited as well as the XXXX XXXXXXXX that was previously in account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A