Date Received: 2023-07-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Citi bank was offering a bonus offer of 60,000 XXXX XXXX miles if you open an account, deposit {$1000.00} and spend {$1000.00} with 90 days of account opening. I opened the account on XXXX XXXX and deposited {$1000.00} dollars on XXXX XXXX to fulfill the deposit requirement. According to a Citi employee i contacted I fulfilled the spend {$1000.00} and therefore fulfilled the required actions within the 90 days on XXXX XXXX. In the terms and conditions it states that I should receive the miles 30 DAYS AFTER THE REQUIREMENTS ARE MET Which would be XXXX XXXX. As of XX/XX/2023 I have not received the miles I am owed. It also states that XXXX deposits are allowed for the {$1000.00} deposit amount. I have contacted Citi Multiple times and the dates keep getting pushed back as to when I should receive the Miles. I also submitted a dispute about the missing miles and responded with an automated message. Documents I have attached are : Proof of deposits that equal {$1000.00} via XXXX Terms and Conditions stating that I will be getting the payment of XXXX miles 30 days after fulfilling the requirements. Terms and Conditions stating XXXX deposits are allowed Proof from the Citi Employee stating I fulfilled the requirements on XX/XX/2023 and that I should have received the miles by XX/XX/2023 The terms and conditions do not say I will be credit 30 days after the promo period ends it states 30 days after opening account and Fulfilling the required actions. Which I did
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75703
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 Re : Complaint Against Citibank Costco Dear XXXX, I am writing to file a formal complaint against Citibank Costco due to what I believe is a severe violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA, enforced by your bureau, is designed to protect consumers like myself from abusive, deceptive, and unfair debt collection practices. In violation of these protections, Citibank Costco has been subjecting me to harassment through their persistent, and I believe excessive, phone calls. For the past four months, I have been receiving approximately four calls per day, seven days a week, totaling over 330 instances of contact. This number significantly exceeds the suggested '7x7 rule ', implying a limit of seven calls within a seven-day span. This excessive contact has occurred without my written consent, constituting a further breach of the FDCPA, which prohibits such communication without explicit permission from the consumer. As a result of these violations, I am seeking damages of {$330000.00} This amount has been calculated based on the understanding that creditors can be held liable for up to {$1000.00} per violation. These repeated intrusions have caused considerable emotional distress and disruption in my daily life. I request that the CFPB conduct a thorough investigation into these practices. I am prepared to provide further evidence and documentation upon your request to substantiate my claim. Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your assistance in resolving this issue. Yours sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-26
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: I AM TRYING TO IMPROVE MY CREDIT SCORE AND RATING BUT WITH A CREDITOR DOESNT RESPONSE OR YOU CALL ON THE PHONE AND INJUIRY ABOUT AND ISSUE REGARDING WRONG INFORMATION ON YOUR CREDIT REPORT AND YOU GET THE RUN AROUND OR YOU REACH OUT TO THE CREDIT REPORTING AGENCY LIKE XXXX AND THEY STATE THAT I WOULD NEED TO REPORT ANY ISSUE I HAVE TO TH REPORTING AGENCY THAT IS A PROBLEM. I HAVE 2 CITI CREDIT CARDS ONE WITH CITI SIMPLICITY AND THE OTHER WITHCITI DOUBLE CARD. XXXX IS KNOWN FOR NOT UPDATING CREDIT REPORT ACCURATLY OR THERE IS A DELAY WITH THEY UPDATE THE CREDIT REPORT. I HAD A BALANCE ON MY CITI DOUBLE ACCOUNT WHICH WAS {$1000.00} WHICH THE CREDIT UTILIZATION WAS XXXX PERCENT WHICH MADE MY XXXX XXXX LOW I PAYED THE BALANCE OFF ON XX/XX/2023 SO THEY CAN REPORT THE ACCOUNT WAS PAYED IN FULL WITH THEY SEND UPDATE TO XXXX BY XX/XX/XXXX WHICH THEY HAVE NOT DONE AS XX/XX/2023 ON MY OTHER CREDIT REPORTS XXXX XXXX AND XXXX IT SHOWS THE ACCOUNT WAS UPDATED CORRECTLY IT NOW 6 DAYS PASS SO WHAT GOING ON LIKE I SAY XXXX IS KNOWN OF NOT UPDATE ONE CREDIT REPORT ON A TIME LESS BASIC WHICH IN FACT MADE CITI DOUBLE CARD TAKE AWAY MY CREDIT CARD CASH BALANCE WHICH I HAD A XXXX CREDIT LIMIT NOW IS DOWN TO XXXX LIMIT AT THAT TIME I PURCHASE A NEW CAR BUT MY OTHER CAR WAS NOT UPDATED ON XXXX CREDIT REPORT CORRECTLY AND IT SHOW THAT I OWE TOO MUCH. LIKE I SAY XXXX DOESNT ALWAYS UPDATED THE CREDIT REPORT ON A TIME LESS SCHUDULE AND ALSO AT THAT TIME I HAD A CREDIT MONITOR SERVICE WITH XXXX AND I USE MY CITI CREDIT CARD TO SIGN UP BUT LIKE BEFORE THEY DIDNT HAVE MY CORRECT ADDRESS ON FILE WITH BOTH OF MY CITI CREDIT CARD WHICH I DID UPDATE ON THE CITI WEB SITE AND I CALLED IN TO VEFY WITH A REP ON THE PHONE WHICH IN TURN XXXX XXXXEP CHARGE MY CITI CARD 6 TIME FOR SIGN UP ON XXXX WHICH IT DIDNT GO THROUGH BECAUSE OF WRONG ADDRESS ON THERE WEB SITE THAT WHEN CITI LOOKED AT XXXX CREDIT FILE AND REVERSE MY CREDIT CASH LIMIT TO XXXX ON BOTH ACCOUNTS MY CITI XXXX CARD AND MY CITI SIMPLICITY TO XXXX ON MY CITI SIMPLICITY CREDIT CARD MY BALANCE ON THAT CARD WAS XXXX AND I PAYED THAT OFF ON XX/XX/2023 THEY SHOULD OF REPORTED THAT A XXXX BALANCE ON MY XXXX CREDIT REPORT ON XX/XX/2023 WHICH IT SHOWS A XXXX BALANCE ON MY XXXX AND MY XXXX UION CREDIT REPORT. I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Date : XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU Re : Macys billing practice/ Impact on Consumer Credit Report I recently learned of negative information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports that reflected delinquent payments on a closed Macys credit card account : specifically 30 days past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is my conclusion that a sum of $ XXXX was added to my Macys Credit Card Account as junk fees in XXXX. I am requesting that Macys correct this information to reflect no delinquency for these months. This has impacted my credit and my financial good standing. Please read the summary of events below. On XX/XX/XXXX, I paid off the balance of Macys Credit Card Account in the amount of {$200.00}. At the time, I was overpaying my account to ensure that I was paying off the bill in its entirety. In XX/XX/XXXX, I received a Macys credit card bill in the amount of $ XXXX. I had not purchased any merchandise with this credit card and could not understand where these charges originated. I called Macys Billing Department ( XXXX ) on XX/XX/XXXX. I spoke with a a Macy 's supervisor. During this call, it was my understanding the issue was resolved and my records would reflect that I had paid the balance in full. I later learned on XX/XX/XXXX that the account still reflected a balance due. I spoke with CSR, XXXX. XXXX indicated that the judgment was initially declined By judgment I assume he was referring to my prior contact with Macy 's on XX/XX/XXXX. I do not have names of the Macy 's reps that I spoke with in XX/XX/XXXX because I believed Macys was acting in good faith and that the issue was resolved. At no time was I ever called, emailed, text, or mailed any correspondence that said otherwise On XX/XX/XXXX, I also spoke with XXXX XXXX ( XXXX ). According to XXXX, she would insure that the account corrected and any fees would be waived. This was confirmed by CSR XXXX XXXX. After learning about my credit report on XX/XX/XXXX, I again contacted Macy 's Consumer Credit Specialist Department. I spoke with Manager, XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX. Unfortunately, neither XXXX representatives was able to give me any helpful information. XXXX ordered copies of my XXXX and XXXX statements and I must wait 7-14 days to receive this information. This is not an acceptable resolution. I am very disturbed about how this has impacted my credit and my financial standing! I would like this issue investigated for how these fees were generated. I would also like the negative information on all 3 credit reporting agencies removed. Thanking you in advance for your assistance with this matter. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023 ( tracking # XXXX ). Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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 received a notice from LL Bean Mastercard and Credit Card Services ( account # XXXX ) informing me that my case regarding a dispute had been investigated and has been closed. The case # is XXXX. According to the documentation this occured on XX/XX/2023. The Merchants name accrding to the paperwork is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Number XXXX XXXX XXXX. The transaction amount is in the amount of {$410.00} on XX/XX/2023. The merchant reference number is XXXX. Refering to page XXXX of the dispute paperwork in question you will take notice that the majority of the page is in the Spanish language. The address and name are mine. But the other information is in XXXX. The transaction took place in XXXX XXXX, XXXX. I can not understand the rest of the information because it is in XXXX. I do not live, work, or stay in XXXX, therefore my card has been compromised. I am of XXXX and XXXX origin. I have no relatives or communications with any person or organization in XXXX. I have had no business or personal dealings with anyone from XXXX, living in XXXX, working, in XXXX, or otherwise staying in XXXX. On page XXXX there is a company named XXXX XXXX listing flight information including general policies, flight change policy, and flight changes. I have never flown via/with XXXX XXXX XXXX I am not familiar with and had never known of or had any dealings with them of any kind whatsoever. On page XXXX of the documents from LLBean Master Card it includes the acception of and terms and conditions of the flight in question. I speak very little XXXX and nothing on these documents looks familiar at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18914
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In short, CITI closed my account, told me to wait XXXX days on XX/XX/2023 for my funds. They have not given me these funds and could not give me an answer on where my money was as of XX/XX/2023. The funds in the account are between {$17000.00} and {$20000.00}. The lack of access to my funds is causing XXXX since I do not have access to a large amount of my money which has caused my credit lines to be at an all-time high. Additionally, CITI is still having me make payments on my loan even though they closed my account when they sent me the money. I have a security clearance in the XXXX, and it is very important to have all my financials in a good place. This situation with CITI has been very stressful, and I do not see any justification to them closing my savings account. On top of that, I lost a deposit I had made on a vehicle, since I could not afford to purchase it since I had to prioritize living expenses without access to my hard-earned savings. Full story, Earlier this year, CITI Bank pre-approved me for a loan. CITI would not deposit these funds into my checking account, for an unknown reason that at the time I did not ask. I had a savings account with them and they deposited the funds there with no issue. I already had between {$6000.00} - {$9000.00} in the account since I had just sold a vehicle. Then the funds for the loan hit that account. When I was withdrawing my savings to consolidate debt, and only leave debt that was under favorable interest rates, they closed my account with no proper warning. Citi security/customer service reached out to me to confirm some details, but this call left me very lost since the person was very hard to understand and ended the call leaving a lot of questions unanswered. I called again and I was told that there was nothing that can be done. That I had to wait XXXX days for the money to get to me. I have waited XXXX days and there is still no update on my situation. I offered XXXX XXXX to a branch to get help, but they said nothing can be done and that if I wanted to go in person that it was my choice. I checked, and there is no physical location that is operational in the state of XXXX. At this point it feels like I am just shouting to a void, and CITI is just giving me the run around knowing that there is not much I can do against a bank of their magnitude.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received {$20000.00} from my brother 's business account from California to be used for emergency medical funding for our brother back home in the XXXX. He sent the amount on XX/XX/2023 and I saw it in my Citibank mobile app as pending. Few days later, I do not have access to my app anymore and I called Citi to check what was happening. They told me that they need to verify where the amount came from so my brother from California contacted them together with his bank and had a three-way call to verify that it is a legitimate transaction. It still didnt work and the next day I went to the branch itself and they told me that my account was closed. This is unacceptable because my brother is in the hospital and that money was all we have for him. They said that the amount will be in review for XXXX days but we don't have that much time, if my brother dies because of this nonsense, we'll have to sue them for whatever extent possible. We are willing to send any correspondence or bank statements to prove that this money doesnt need to be held for too long. Please help us out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: When I canceled a Citibank AAdvantage credit card with a fee, I was informed that if I wanted a credit card, I should go with the mile up credit card because there is no fee. There was also a promotion of XXXX miles and a {$50.00} credit if you spent {$500.00} within the first three months. When I contacted them about the promotion, I was told I did not qualify because I had canceled the card with the fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A