Date Received: 2023-07-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I use citibank Custome cash card ending number XXXX In XX/XX/2023 my balance is XXXXXXXX XXXX i have to pay XXXX XXXX interest In XX/XX/2023 my blance is XXXXXXXX XXXX i have to pay XXXXXXXX XXXX interest In XXXXXXXX XXXX my balance is XXXX USD i have to pay XXXXXXXX XXXX interest I think they will charge me around 25 to 30 % per year but now i can see they charge me more than 10 % to 20 % per month... I cant explain how many people who suffered like me, this is un acceptable and abuse client, many people dont have time to look at this and they have just to over pay for whaty they are told to pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a letter from Citi, dated XX/XX/23, with regard to my account ending xxxx [ redacted ]. The letter states that " the balance of your closed EXXON/MOBIL CLASSIC account, will be cancelled by Citi. The balance on this account is {$520.00} as of XX/XX/23 ... .Citi will report this debt collection on Form XXXX, as required by US law. You are responsible to any applicable taxes and consulting a tax advisor related to this debt collection. If you wish to continue paying down your balance, you have 60 days from the date of this letter before debt cancellation occurs. '' A payment of {$2000.00} however was already mailed, thereby bringing the balance due on the XXXX Statement to {$500.00}. Nevertheless, a month later, on XX/XX/23, Exxon/Mobil Citi sent me a bill entitled XXXX XXXX with a total balance due of {$530.00}. The statement says " Your account is past due {$20.00}. '' This means that subsequent to the XX/XX/23 notice of debt cancellation, the account was kept open and interest and fees were accrued. The XX/XX/23 notice did NOT state that interest, fees and penalties would continue to accrue until the cancellation - rather it said " you may wish to continue paying ... '' This sentence indicated that continued payments would be optional without any accrual, and implied that the sole reason to make any payments would be to lower the amount of debt reported on the XXXX. Numerous calls were made to the 800 number on the XX/XX/23 - XXXX - but all representatives give the same refrain- they can not help due to the account being closed, with multiple representatives passing the calls to other departments and then being hung up upon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07055
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: RECEIVED A PROMOTION FROM CITI BANK ( PROMO : XXXX ) IF I DEPOSIT OVER {$75000.00} WILL RECEIVE {$1000.00} AFTER 3 MONT OF THE DEPOSIT, I OPENED THE ACCOUNT ONLINE AND USED THE PROMO CODE BUT WAS NOT PROVIDED WITH AN ACCOUNT NUMBER, SO I CALLED THE NEXT DAY TO GET THE ACCOUNT NUMBER AND WAS TOLD IT IS NOT AVAILABLE YET, CALLED FEW TIMES ON THE NEXT FEW DAYS, THEY TOLD ME FOR SECURITY REASONS THE COULD NOT GIVE THE ACCOUNT NUMBER OVER THE PHONE, WENT TO THE NEAREST CITIBANK BRANCH AND THEY COULD NOT HELP ME ALSO. RECEIVED THE CHECKS AFTER TWO WEEKS AS THEY SEND THEM TO THE WRONG ADDRESS ( THE ADDRESS ON THE CHECKS THEMSELVES IS WRONG ). I IMMEDIATELY INITIATED THE TRANSFER FROM MY XXXX BANK TO CITI WHICH TOOK THREE BUSINESS DAYS TO BE VERIFIED AND TRANSFERRED {$79000.00} TO CITI BANK BUT I WAS TOLD NOW THERE IS A HOLD PERIOD OF UP TO 3 WORKING DAYS BEFORE THE ACCOUNT IS CREDITED. NOW I'M TOLD THAT I DO NOT QUALIFY FOR THE PROMOTION AS I SHOULD HAVE MADE THE DEPOSIT IN LESS THAT 21 CALENDAR DAYS, WHICH IS IMPOSSIBLE CONSIDERING ALL THE OPESTICAL I HAVE TO GO THROUGH. FILED A COMPLAINT # XXXX WITH CITI BANK BUT WAS DECLINED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In the most recent SEC filing, it is evident that a second amended and restated indenture exists between CITIBANK CREDIT CARD XXXX XXXX, as the Issuer, and XXXX XXXX XXXX XXXX XXXX, as the Trustee. This indenture was filed on XX/XX/XXXX, for CITIBANK CREDIT CARD MASTER TRUST I and can be found on Citibank 's Investor Relations page. However, the current contact information for the trust indenture signee and the indenture trustee signee for CITIBANK 's master credit card trust is not available on the SEC. Neither the SEC website nor the websites of CITIBANK or XXXX XXXX XXXX XXXX XXXX provide this information in relation to this specific trust indenture. The absence of an identifiable indenture trustee signee leaves investors without a clear communication channel as noteholders. In the most recent 10-K filing dated XX/XX/XXXX, only XXXX XXXX and XXXX XXXX are listed as signatories, but not in the capacity of indentured trustee signees, merely as trustees. I have made attempts to contact both CITIBANK N.A. and XXXX XXXX regarding this issue but to no avail. XXXX XXXX, in particular, responded via email, stating their inability to disclose this information about a U.S. bank due to " security reasons and to maintain banking secrecy ''. This response is neither valid nor consistent with the Trust Indenture Act 1939 and the National Bank Act of 1863, which guide the operations of the Office of the Comptroller of the Currency. It is worth noting that as part of their registration with the OCC for securities handling, this falls under the Corporate Trust, which governs the fiduciary activities of banks for investors in a specific security. The SF-3 filing section for CITIBANK , N.A . states that " The indenture trustee may resign at any time... In all circumstances, the issuance trust must appoint a successor trustee for the notes. '' However, there is no mention of when an indentured trustee signee would be included in the documentation as an update on this matter for the public interest. I am requesting that the most recent information be made public, as per the Trust Indenture Act ( TIA ) of 1939, to allow viewing of the current credit card trust indenture information in relation to the indenture trustee signee contact and contact information. A court case, Mertens v. Hewitt Associates, 508 U.S. 248, 1993, highlights that withholding such information due to a conflict of interest to the beneficiaries of the trusts as noteholders is not permissible. The case states that fiduciaries are obligated to " the proper management, administration, and investment of [ plan ] assets, the maintenance of proper records, the disclosure of specified information, and the avoidance of conflicts of interest. '' I kindly request your immediate attention to this matter and look forward to an update soon, as this information is not available on the SEC site or the entities listed on the documents in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I see a fraudulent transaction on my Citi bank credit card for {$190.00}. I got some gummies delivered to my home which I did not order, Since it is a fraudulent transaction I disputed ( Case id XXXX ) with Citi bank, they said the merchant has provided proof of the transaction so they will not accept the transaction as fraudulent. My issue here is, even in the letter that Citi Bank says the merchant has provided, the merchant details don't have any real information, the contact number mentioned as the merchant 's contact is not working, and the merchant from whom Citi Bank says I brought the gummies website is also not working. when I XXXX about it online I can see a lot of people have gone through the same scam but Citi Bank is failing to recognize these as fraudulent transactions. Another thing is, on the same day there are many fraudulent transactions that I disputed and Citi bank agreed to except for this transaction. My Credit card number is XXXX. Dispute case that I filed with Citi - XXXX. Date of Transaction - XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
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: Banking errors
Consumer Complaint: On XX/XX/, I filed dispute in the amount of {$840.00} from the merchant XXXX. Citi Bank sent me a letter in the mail asking for additional information a few weeks later, and I responded to their request promptly with all the information they were asking for. I even called their customer service/dispute department letting them know I submitted the requested information. The agent I spoke, acknowledge receipt of the information requested and assured me that they will resolve the dispute in my favor soon. Now, onXX/XX/2023, Citi Bank issued credit for the disputed amount to my account. I called their dispute department to confirm, the the credit issued, is permanent and resolves my dispute. The agent confirmed that indeed, the credit is permanent and the dispute was resolved in my favor since they did not receive enough information from the merchant. Then this is where Citi Bank began to exhibit their incompetence. Just a few days after received the {$840.00} credit to my account letting me the dispute was resolved in my favor and the confirmation that the credit was permanent, I received an email notification from Citi indicating that they had issued credit for the disputed amount twice to my account and that they were going to debit my account for the additional credit. I called their dispute/customer service back a few days later letting them know, I only received one credit and not two. The agent I spoke to seemed lost and clueless about what was going on. After being placed on hold for several minutes, he returned to the phone letting their no indications of the alert notification I received and that, I should not worry since the dispute is resolve with a full permanent credit issue in my favor. After I spoke to them and onXX/XX/2023, they debited my account for {$840.00}. I called them right away and I was told to write in an appeal before I will be issued the credit. I asked why I need to write in an appeal and no one could provide a tangible explanation. I asked to spek to a supervisor. Again after being place XXXX hold for a really long time, I was finally connected to a supervisor. He indicated that they made an error and that he doesn't even understand why my account was debited. He told me he was going to process a refund to my account. Since then, I called citi multiple times for my credit. I have been assured multiple times they made an error and that they were going to issue credit. But I have not received any credit. Most times when I call the agent do not seem to a clue of what is going on. Now received a letter dated XX/XX/, again letting me know that they have " finally resolved the dispute and that the credit is permanent. WHER IS THE CREDIT?? I have called back several time again and again after XX/XX/XXXX when I received this letter ( attached ) and they keep acknowledging that I should have received permanent credit and that they were going to submit a request for the credit to be issued. Up until now, I still do no have the credit. The last agent I spoke to, categorically stated that she doES not understand why I m being tossed around. She promised that she would ensue I receive credit. Here we are on XX/XX/ and I still do not have credit. I'm so frustrated and exhausted. This is by far the worse customer service experiences I have ever received. I just need my money back! They've even issued a letter saying the credit is permanent, yet I don't have the credit. This is not rocket science. It's just cross incompetence and citi bank not knowing what they are doing. PLEASE ISSUE CREDIT FOR THE DISPUTED AMOUNT, I SHOULD HAVE RECEIVC LONG TIME AGO TO MY ACCOUNT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
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: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Costco Anywhere XXXX Account XXXX XXXX Billing Inquiry Attn : Customer Service To Whom It May Concern : I am rewriting as there was no response to my letter dated XX/XX/XXXX ( copy attached ). In reference to the XXXX Statement ( page 2 of 3 under Account Summary, attached ), {$690.00} was charged as " CREDIT REFUND AS REQUESTED '' dated XX/XX/XXXX, and this amount was added to three other transactions : {$12.00}, {$160.00}, and {$34.00} to make the total purchase amount of {$900.00} under Account Summary Purchases on page 1 of 3. However, as agreed to by your billing specialist in the chat room dated XX/XX/XXXX ( attached ), I believe this is an error as the credit refund should not have been added to the total of my other transactions. This credit refund was to correct a previous overpayment that I had made to Citi. Please let me know if you require any further information from me, and if you can please update the relevant statements immediately before the next statement due date on XX/XX/XXXX to reflect the correct balance due of {$210.00}, I would greatly appreciate it. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attachment : My Letter dated XX/XX/XXXX Citi Bank XXXX Statement Screen Shot of Chat dated XX/XX/XXXX C : Consumer Financial Protection Bureau New Jersey XXXX XXXX XXXX Attorney General XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Best Buy claimed they could not process my instrument. However, they did not follow the instruction attached to the instrument. It was not a check and can not be processed that way. It is a negotiable instrument and needs to be processed differently. They need to revisit this as their response was not appropriate given the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53072
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I applied & was approved for a Costco Citibank card. I never received the card in the mail, so I called on XX/XX/2023 and XX/XX/2023, only to be told there were charges on the card, which I confusedly told them that's impossible as I'd never received it. Someone stole the card either on the mail route, or from my mailbox and charged {$800.00} in XXXX days on the credit card ; Citibank did not inform me of this until XX/XX/2023 when I called in looking for my card. They have since overnighted me a card which I activated on XX/XX/XXXX, but they carried over the {$800.00} in fraudulent charges which is nearly half my credit limit ; they also did not immediately credit me for the fraudulent transactions, even though all of these transactions were made in XXXX ( two counties over from me ) and I live in XXXX XXXX. I want these charges immediately credited, as I have proof & timesheets that I wasn't in that area as I work during the week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I got a targeted mailer for a {$450.00} bonus w/ the following terms : XXXX $ XXXX within 20 days and keep the balance for the additional 60 days. I've attached a picture of the mailer to this complaint The account was opened on XX/XX/23. XXXX terms stated the offer doesn't expire until XX/XX/XXXX Additionally, I've attached the chat of the cs rep confirming I was properly enrolled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A