Date Received: 2023-07-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card with Citi Bank auto payments were scheduled on XX/XX/XXXX. I had a family emergency and the auto payment to pay statement balance was charged {$5500.00}. I was unable to adjust the amount in time due to a large unpredictable emergency. I needed some of the money back and requested an adjustment or refund of the payment and they refused saying the payment was already processed. I am unable to get my money back and pay additional bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96819
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my Citibank checking account over the phone with Citibank on XX/XX/. I was told a check for the remaining balance would be mailed out and I would receive it in 10-15 business days. On XX/XX/, I called to inquire as to the status of the check. On the call, I learned that my account was not closed by Citibank. I was never notified, by phone or email, that my account was not closed. I closed my account for the second time on XX/XX/. I was informed I would have to wait ANOTHR 10-15 business days to receive my funds. Citibank is fraudulently keeping accounts open without customer consent, and further denying ( former ) customers access to their funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95833
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert from stating someone tried to apply for a citibank credit card in my name. I have not applied for any credit cards recently so this is not me. Can someone please contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
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: Overcharged for something you did purchase with the card
Consumer Complaint: I have reach out to XXXX XXXX multiple times at macys. He did not resolved anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit reports have two new accounts open that are not mine. My Social Security number has been compromised. CBNA Bank and XXXX are not mine. Please help. I do have a freeze put on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-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 opened an account with Citibank on or around XX/XX/2023. I enrolled in an offer with the following terms : if I made {$1000.00} in qualifying debit card purchases and made two or more enhanced direct deposits totaling {$1000.00} or more within 90 days of opening the account, I would receive XXXX XXXX bonus miles within 30 days of completing the requirements. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. On XX/XX/XXXX, I made a debit card purchase of {$1000.00}. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. I fulfilled all the requirements on XX/XX/2023. On XX/XX/2023, a Citi representative confirmed to me over chat that I had met the requirements on XX/XX/2023. Thirty days later, on XX/XX/2023, I had not yet received the bonus miles to my XXXX account. I followed up with a Citi agent over chat, who confirmed that I had met the offer requirements and escalated my request to the dispute department. On XX/XX/XXXX, I received a response that said they could not give me an update on the status of the promotion because I had to wait 90 days from the date of satisfying the terms. I have since contacted Citi multiple times, with several agents confirming I met the requirements but saying they could not do anything about it. After I escalated my dispute a second time on XX/XX/XXXX, I got another response on XX/XX/XXXX saying I had to wait 90 days. That is far longer than the amount of time guaranteed by the offer terms, which state, " If you fulfill the Required Activities for this offer and are eligible under the qualifications of this offer, then the XXXX bonus miles will be credited to your existing AAdvantage account within XXXX calendar days from the date you complete all Required Activities. Your Checking Account must remain open and in good standing from the time it's opened until you receive your bonus. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
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/XXXX, XXXX My wallet was stolen and the would-be thief attempted to withdraw funds from my XXXX XXXX account with my stolen ID. The XXXX XXXX cashier placed a hold on my account and notified me of the attempt. I reported the theft to the XXXX police department. XX/XX/XXXX - I placed additional holds on the rest of my XXXX XXXX accounts to ensure the thief would not be able to transfer funds if he attempted again. XX/XX/XXXX? - After no activity for several weeks, I requested the branch remove any holds from my account so I can transfer funds to my Citibank account. XX/XX/XXXX - I initiate a transfer for XXXX from my XXXX XXXX account to Citibank Savings account but the transfer is reversed. XXXX XXXX branch did not remove all the holds from my account, so the transfer was not completed. I also initiated a transfer out of my Citi account for XXXX to XXXX which was completed. Even after the XXXX XXXXXXXX left my account, I still had a balance in Citi of XXXX XXXX. I then removed the remainder of the holds on my XXXX XXXX accounts and tried to reinitiate my transfer. That is when I noticed my account was restricted with Citi and was notified to contact the fraud department. I contacted them and was told my account was closed and they also needed to verify my identity with a code and that I had to wait for a notice in the mail with a reference number to confirm my identity. I called them later when I didn't receive the notice and they sent one again. I then received one dated XX/XX/XXXX and then several days later I also received the first one that was sent in XXXX. Several more calls yielded no results whatsoever except that I could no longer view my online account whatsoever and that my account was closed for a reason that they wouldn't disclose and a check would be sent. They gave no indication of when the funds would be sent or why the account was closed. XX/XX/XXXX I contacted Citis XXXX XXXX XXXX and was told a file had been opened. I was given two agents names that would contact me by the end of XX/XX/XXXX. One agent was for my credit card and one for my savings account. Neither agent has contacted me though I did receive an email with my case numbers. I emailed the XXXX on XX/XX/XXXX and have not received a response. To date I have no visibility or access to my account. No timeline for when the funds will be returned and no indication if my credit card account would be closed. It is unethical for Citi to withhold my funds and this information from me. Why should I have to waste hours on the phone or gathering information to be returned my money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55447
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bloomingdales charge a {$300.00} aCH payment to my XXXX XXXX XXXX account. I tried contacting XXXX XXXX XXXX and Bloomingdales and received no help. Theyre stating it takes 2 to 3 months to resolve the issue. I have other payments due that will be late because I do not have the funds. The funds were stolen from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The Home Depot XXXX XXXX asked me to pre-approve for a credit card I was turn Down And it's hard inquiry been on my report ever since last year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The Home Depot XXXX XXXX asked me to pre-approve for a credit card I was turn Down And it's hard inquiry been on my report ever since last year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A