Date Received: 2023-07-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: ; Hi my name is XXXX XXXX, and my citi checking account ending in in # XXXX was closed down XXXX XXXX for no reason. I called the customer service at least a handful of times with no success of getting a reason. I have now visited the branch over four times now and I have still not gotten any response into why my account was closed. I have also talked to the bank manager XXXX XXXX at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. After talking to her I still do not know why my account was closed. I have my hard earned money in my account and my tax returns I received just a couple of days prior locked in my account with no real answers of why and when i will get my money back from citi bank and this branch. They are stating that my tax returns are fraudulent as if they are tax experts or accoutants but with no proof that i did anything wrong besides assumptions. On the other hand I have came into the branch with my identifications, my irs proof showing the amount that I was suppose to receive and the citi # XXXX it was suppose to deposit in, Everything on my end matches up. My name, my ssn, my dob, my refund amount and proof of it from the irs websites and my acct. lastly the irs before sending out the refunds they review it so if there was a problem with it, they would not have sent it out to me. I just want to be treated as an equal, when I have been in the branch, I see how im treated and looked at compared to the other people in there that do not have the same pigment in their skins as I do. They get there money with a smile from the clerks, but I ask for mine and it a problem for a XXXX XXXX to have money, it must be a scam, it must be fraudulent. I have been disrespected and most importantly not getting any help on how I will be getting my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am writing to file a formal complaint against Citibank Online for misleading and false practices in their credit limit increase evaluation process. On the week of XX/XX/2023, I applied for a credit limit increase through Citibank Online, and I was disheartened to receive a denial letter citing reasons that directly contradict the representations made during the application process. As evidence, I have attached a screenshot of the online application where Citibank stated, " We will not obtain a credit bureau report to evaluate your request and you will receive a decision instantly. '' Furthermore, I have also enclosed the denial letter, which clearly contradicts this statement by mentioning two crucial points : 1. The denial letter asserts that my credit report contains a late or missed payment with another creditor as the reason for rejecting my credit limit increase request. 2. The same letter admits that the decision was based, at least in part, on information provided by XXXX, a consumer reporting agency. These contradictory statements demonstrate that the online application process was deceptive, misleading, and falsely advertised. By assuring applicants that no credit bureau report would be obtained and decisions would be instant, Citibank created a false impression of the credit evaluation process, leading applicants to believe that their credit history would not be a determining factor. The actions of Citibank Online are in direct violation of the following laws : 1. 15 U.S.C. 1691 ( d ) of the Equal Credit Opportunity Act ( ECOA ) : This statute explicitly prohibits creditors from making false statements or providing misleading information to applicants concerning the reasons for denying credit. Citibank 's contradictory statements during the credit limit increase application and denial process clearly breach this law. 2. 15 U.S.C. 1661 - Prohibited Practices : Section 1661 outlines prohibited advertising practices, including misrepresenting credit terms, using false or misleading statements, and failing to disclose essential information. Citibank 's deceptive advertising, promising an instant decision without obtaining a credit report while subsequently relying on credit report information for the denial, is a clear violation of this law.
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: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a Checking account with Citibank ( around XX/XX/23 ) to avail relationship discount on my mortgage application that was serviced by Citibank. I was asked to move all my funds for mortgage closing to my Citibank account. The loan officer told me I had to hold $ XXXX in my account post closing for 7 days after which I was allowed to move my funds back. Some of the funds I transferred was money I borrowed from one of my friend who wire transferred {$15000.00} to me. I was supposed to return the money after the loan closing. At the time of my incident I had approx. {$56000.00} in my account. For some reason, Citibank flagged my account for fraud and closed my account. No communication was ever provided to me about account closure or the reason behind it. I was told their F & P dept will do their due diligence within 60 days and return all my funds in 60 days. I did get a check but for approx. {$41000.00} - exactly {$15000.00} short of the total amount. Ive tired following up with Citibank 20+ times but Ive never heard any update. They keep raising service requests but no one ever responds or provides any update. Ive offered to provide all documentation to show the money trail but no one has looked into it. Its been 6 months since the account was closed and Citibank has till date provided 0 updates. According to a bank officer, the money is in a sub-ledger account but that money is still with Citi. They never tell me what is going to happen to it- either they should sent it to the original sender ( my friend ) or to me, hopefully after establishing that the wire transfer was legit. This has caused a lot of mental stress and financial hardship. Im hoping someone can help me get a worthy response from Citibank and return the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX decided to contact citi XXXX credit card personnel due to text received that included a Citi Alert TEXT from XXXX that indicated that {$670.00} transaction with " XXXX XXXX XXXX XXXX XXXX XXXX was canceled and won't post to your acct. '' This text was received on Sunday XX/XX/XXXX. I check transactions and the {$670.00} did post but was not removed. Since I had received a previous text from XXXX on XX/XX/XXXX about XXXX that was deemed suspicious since I had XXXX what that XXXX concerned but the XXXX texts were a wash and I did not see that transaction on the citi XXXX app. I thought these texts could be bogus and not from the legit citi so I called to inquire if the XXXX is or is not a legit XXXX digit text number. I spoke to various nonfraud reps including a supervisor and she said she would contact fraud dept and placed me on hold. The call ultimately dropped while waiting. This supervisor indicated that citi texts come from XXXX??, XXXX XXXX dept, XXXX Citi XXXX ; she was not sure about XXXX. She mentioned that there have been many daily reported problems with texts generally. Since there was a disconnect I called the fraud number ; plus I received texts from XXXX " XXXX XXXX XXXX XXXX fraud dept : WE need to speak to you about XXXX 's card XXXX please call XXXX. '' I called XXXX different numbers to fraud dept, the system did not acknowledge XXXX card last digits, did not recognize cell phone number provided, the automated system kept moving between keypad and voice answers. Ultimately I never received an answer to my QUESTION is XXXX a valid Citi text number??????? Yes or NO???? The fraud dept staff insured that my credit card was locked and I would receive a letter in the mail within 10 days. Citi is extremely willfully, wantonly and knowingly unhelpful ; that is what banks prefer to offer customers. I am the one who initiated the inquiry yet CITI remains NONRESPONSIVE. CITI solution is to LOCK. The fraud employee asked whether there was another telephone number associated with the credit card ; I replied no. Solution is to lock legitimate card holder out from utilizing the credit card normally. Citi staff is unprofessional and definitely prefer not to assist card holder ; the only solution is to LOCK but not provide a clear explanation of their fraud concerns or completely answer customer questions and address concerns brought to CITI 's attention. CITI should have a database that reflects bogus text XXXX digit numbers utilized. XXXX is being utilized by whom as in what entities? I have experienced many unsafe issues with this CITI bank XXXX Credit Card over the years. Apparently citi card is unsafe to utilize and extremely and regularly vulnerable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Wayfair/ Citibank continually charges me a late fee. I paid off the card asap to not deal with their fraudulent late charges. That was in XXXX and of course they say the payment was one day late. So, they charged me another {$40.00} late fee. I refused to pay and now they keep charging me fees on top of that fee. Theyre scandalous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: In the month of XXXX XXXX charge my account for XXXX XXXX which I did not authorize. I contacted them and was told they did not make any transactions from that card, Citibank state they did They took out {$7.00}. In the month of XXXX I entered the 30 days free trial for XXXX XXXX, about a week XXXX did a transactions from my citibank account for XXXX XXXX for {$16.00} The 30 day was not up, so I told them to canceled it. In the monthof XXXX they charged me for XXXX XXXX {$16.00}. XXXX. Contacted both companies and never got it resolved .Too many back and forth no money was refunded
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: About 4 months ago I opened a Citi Bank bank account. A few weeks later on XX/XX/XXXX I got an email saying that my accounts would be closed and that they would send me my money within 60 days. This was 3 months ago which is more than XXXX ( business ) days. Every attempt to figure out where my money is and how I can get it back failed. Actually, employees in the branches can not help and say I need to call the hotline and when calling the hotline you just get connected from XXXX person to another until someone says they can not help me and they don't know what to do next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/2023, I received an offer to open a Citi AAdvantage checking account with a bonus of XXXX miles after completing a series of required activities. I had to make at least 2 direct deposits totaling {$2000.00} within 90 days. I had to make {$1000.00} worth of debit card purchases as well. The email SPECIFICALLY states that I would receive my bonus within 30 days. I have completed all activities more than 60 days ago, and I still don't have bonus. I clicked on link provided in the email to open. I even called the day I opened the account ( XX/XX/23 ) and confirmed that my account was opened with the bonus. I have spoken to several reps that have also confirmed the offer. I keep getting different answers every single time. One said I had to wait 90 days for the bonus. Another rep said 180 days. I have the email. I know what it says. I have tried to escalate this with Citibank and I haven't gotten anywhere. I just Citibank to honor the bonus of XXXX XXXX XXXX that are owed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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: I purchased a patio set in XXXX of 2023. I was not happy with the quality of the furniture and returned it to Wayfair via the return instructions I was given by them. The total amount paid was XXXX plus the insurance on the purchase. I spoke to " XXXX '' from Wayfair, on XX/XX/2023, who advised me I was to send it back via XXXX XXXX and I would be reimbursed for the full amount to include the purchase plus the insurance that I paid. I then received a billing statement in XXXX stating that owed that money and I had already sent the entire purchase back to them and provided them with the tracking information, which is Tracking Number XXXX, delivered on XX/XX/2023 and signed for by Wayfair. I called them again and they confirmed the receipt of the merchandise that I should not have been charged, that they would fix it, and that it would show up as a {$0.00} balance on my next statement. The confirmation number I was given for that conversation was XXXX and I spoke with " XXXX ''. I have now received my XXXX statement stating that my balance is now overdue, and I could be reported to a credit agency. I have attempted to rectify this situation with Wayfair multiple times with multiple employees and I have been unsuccessful. I am now being charged for merchandise I sent back according to their instructions, merchandise they confirmed receiving in new condition for which I have a XXXX XXXX XXXX number and proof of signature of receipt. I am now being threatened with credit agency reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have made two recent payments to L.L. Bean Mastercard. According to my bank and my online L.L. Bean account they have cleared. I have also received text messages from L.L. Bean that the payments have posted to my account. Yet I am unable to use my card and my bank account is continually being debited for returned check fees. My bank balance is sufficient to cover the payments I made, and again the payments have cleared with my bank. I have spoken with L.L. Bean several times, and have repeatedly been told the payments and access to my card will release in one week. It has already been one week, and now I am being told it will be another week. Meanwhile other payments scheduled to be made from my card can not go through. There is no reason for this delay, as according to my bank records and L.L. Bean 's own records, the payments have already cleared
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A