Date Received: 2023-07-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023 I opened an accelerate savings account with Citibank with the following promotion Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the Citi Accelerate Savings Leveled Bonus Offer. As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new Citi Accelerate Savings Account within 20 days XXXX account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account ( XXXX ) every day for 60 days from the XXXX day after account opening. * Balance Levels* Maximum Bonus* {$20000.00} {$49000.00} {$150.00} {$50000.00} or more {$450.00} XXXX full details, including how to remain eligible for the offer, please see the offer Terms and Conditions. If you are eligible and fulfill the required activities, your Cash Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. Your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Cash Bonus. My account had {$30000.00} in the account by the end of the 21 days so I should I have received {$150.00} after 60 days. Citibank is saying that no promotion was attached to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02864
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: 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 was charged by XXXX XXXX for a service I did not receive. On XX/XX/XXXX, the original charge was voided. XXXX XX/XX/XXXX, I was charged again for the service I did not receive. The Citi representative understood there were two charges and one voided charge. The Citi representative determined which charge to contest. On XX/XX/XXXX, I contacted Citi and disputed the charge. Citi issued me a conditional credit. On XX/XX/XXXX, Citi ruled not in my favor, because the XX/XX/XXXX charge had been XXXX XX/XX/XXXX, Citi reversed the conditional credit. I called Citi again and re-opened the dispute. I explained again there were two charges and only XXXX was voided. Citi ammended the claim so that now the dispute was for the second charge, not the first charge. On XX/XX/XXXX, Citi issued a letter saying that the dispute had been resolved in my favor, and that the conditional credit was permanent. The letter stated that no further action was needed on my part. However, The conditional credit had been reversed on XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi to re-open the dispute. The representative said that they could see that the dispute had been resolved in my favor, that the conditional credit was permanent, and that the conditional credit was cancelled. The request had to be forwarded to a department that was closed. Since it was late Friday, he said that someone would call me on Monday. On XX/XX/XXXX, I called Citi. The representative did not have a record of the call. She said that the audit department did not call people. She said they would typically address the request in XXXX days. On XX/XX/XXXX, there is no update from Citi. I will call them and inform them that I have issued a complaint. The most troubling thing is that Citi issued a letter saying " There's nothing else you need to do. '' Since this is just plain false, and since Citi has all of the information needed, I see this as evidence of Citi deliberately misleading a customer with a dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was opened without my knowledge. I was in the military stationed in XXXX during the occurrence of the account being opened. I have no best buy credit card nor do i shop at best buy at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this Imv because I um a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Citi bank closed a brand new account without warning. Was told I would receive a letter in the mail, along with my frozen deposits. Have yet to receive any form of communication since XX/XX/XXXX with the account was closed with no reasoning / communication. As a single mother, it set us back financially, months, and kept my paychecks from being deposited. I have called multiple times and emailed now 5+ times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92056
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX, I issued a check to one of our vendors for {$8300.00} to pay our monthly statement. On XX/XX/2023 when our vendor said they did not receive our check, we investigated and found that our check was intercepted, whitewashed, and mobile deposited by XXXX XXXX to an account in XXXX XXXX XXXX in XXXX XXXX Mo. We immediately notified the fraud department of Citi Bank. They sent us the official forms to begin an investigation, which we immediately filled out and returned. A similar thing happened to us approx 5 years ago and Citi Bank made good on the {$5000.00} immediately, but the said we had to enroll our company in their POSITIVE PAY PROGRAM. We did and have been logging every check we have written with the name, check #, and amount with Citi Bank prior to mailing to prevent fraud We have been paying for this service for over XXXX years and write approx XXXX checks/month. Obviously Citi Bank or XXXX XXXX XXXX did not catch this fraud on a {$8300.00} check. We have been in contact with numerous agents at Citi Bank ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) who all say that Bank XXXX XXXX has XXXX working days to respond. Obviously it has been much longer than 120 days and their answer is that they can not do anything to force them. I have several issues with this policy. ( XXXX ) Why do we have to wait at all since we enrolled in their POSITIVE PAY to prevent this in the first place. Their answer is that it is not a guarantee. ( XXXX ) What legal ramification does XXXX XXXX XXXX have if they refuse to admit fraud? ( XXXX ) Why wouldn't Citi Bank take care of a XXXX year customer with XXXX a XXXX dollars on deposit? In closing, I think government or some banking oversite agency needs to get involved with these type of practices if the bank will not take care of these types of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60491
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my new checking account in the CITI Bank on XX/XX/2023. I was trying to make a deposit, but it was not working. And then, I was trying to reset my password when my CITI online banking login was not working and contact customer service. They said my phone number was not working. They wanted me to get letter from them. On XX/XX/XXXX, I got the letter, and told them reference number, then they told me my account was closed out and they ended relationship with me. They didnt tell me reasons. I just made deposit for a few times, right now my money was locked into my bank account and I couldnt get them out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94030
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Since I made an external account transfer from my citibank checking account to XXXX bank checking account online on XX/XX/XXXX Monday evening, my funds have been missing. On citibank online banking on my phone, I chose " external account transfer '' and then " XXXX '' popped up. I chose the right checking account number for sure and completed the transaction. The next morning ( Tuesday ) I randomly saw the confirmation email and realized the last 4 digits number XXXX of the receiver bank account of XXXX was totally different from mine. I immediately called its customer support and it was connected to XXXX. The representative said she canceled it and the fund would be back in 2-3 business days. But I didn't get why I had to wait because it's totally the fault of the bank side and I was on a business trip. The fund was for the trip, too. I once again texted to a. chat representative and he also said he cancelled it. I was confused because the lady on the phone said she canceled it. Also I blame the bank 's fault, he got disconnected and transferred to another XXXX guy, and he had the same response. I headed to a branch in XXXX XXXX and talked to a representative named XXXX. She told me to call customer support and insisted that it's not the bank 's fault but my fault not checking details with a very condescending attitude. I started writing this on my social media, and finally, a manager or supervisor called me. Though she had a calm attitude, she said the fund wouldn't be refunded because the money was already withdrawn from my bank account. She asked me to check with XXXX if I have the account ending XXXX and ask them to start the investigation. I called XXXX Bank the next day and then we made sure I don't have any bank account with XXXX. Also, they told me to ask Citibank what the full number of the receiver bank account. On Saturday, once I called Citi 's customer support and talked with a supervisor. He said, they had started their investigation on Wednesday and it would take 2-3 business days. He also told me to call back on Monday. On Monday XX/XX/XXXX, I called once again and some representatives transferred to each other finally, a supervisor named XXXX XXXX said, with the investigation, the fund would be back by XX/XX/XXXX Tuesday. In the afternoon of XX/XX/XXXX Tuesday, the fund was not returned to my bank account. I called the support once again and talked to approximately more than 10 representatives. Some reps insisted I call a different number which was just automatic voice service, and some reps hung up in the middle of the conversation all of a sudden. It was terrible. Finally, I was transferred to XXXX XXXX, who is maybe a supervisor, and she said it would be refunded by Friday XX/XX/XXXX. As of today XX/XX/XXXX XXXX, I haven't found my money back. I really want to escalate this complaint and claim compensation for all of the damage and time. I also can't believe why EVERYBODY on the phone asked me to explain the issues from the beginning even after other reps hung up from their end. It's crazy and I am sure it should never happen. Only XXXX said " apologies for this confusion '', but the others were blaming me or pretend not to know anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11377
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I got an email with the XXXX XXXX logo saying a new credit card will be shipped. soon I got a credit card ( they had my address ) the new credit card looked like XXXX XXXX credit card, and I needed to call a phone number to activate my new card, I called and was asked for my zip code and SS, which sadly I provided and the card never worked. I keep getting emails and mail addressed to my house from XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number. I have attempted to block their phone number to make the calls stop ; Ive blocked at least XXXX phone numbers but they use a new one every time they call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A