Date Received: 2023-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with citibank on XXXX XXXX and deposited a third party check from XXXX XXXX government for XXXX. On XXXX was sent email saying my account would be closed in 60 days.they told me my funds would be mailed to me then after the 60 days I was told I wouldn't be receiving any funds.i contacted comptroller of currency and filed complaint so on XXXX I was told I needed a notarized letter from payee that says they signed the check over to me and the amount of check and I did that.then they wanted i.d . from me and payee I sent them that then they asked for a copy of my electric bill so I sent that then they said I would have to get the bank that wrote the check to sign a hold harmless claim that was done and citibank honored it and then I get email saying my funds were sent to regions and I needed to get with them to get my funds... I sent email asking which regions it was sent to with no response.i went to regions and regions called citibank and citibank asked them to put me on phone they asked me for ref number I gave it to them and she said her hands were tied and all she could do was open a new claim she would not tell me who my money was sent to or why.so I have no way to get my funds and don't know that they were even sent to regions and this has been going on for a year
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: So I was hung up on calling Citi preferred diamond card, customer service representatives twice. My card was to believed to be fraudulent. I was never able to access or create an online account I spoke with a customer service representative back in mid XXXX, and was told because of that confusion and mishaps that my due date would be pushed out XXXX XX/XX/XXXX. This was in XXXX. I finally was able to get through this morning. Today is XX/XX/XXXX and the gentleman was not willing to help me. Putting words in my mouth and getting very defensive I told him I am a customer. This is what I was told. Why isnt it not in your system? I asked to speak with a XXXX he would not allow the transfer, and I asked why the conversations were even recorded if They are if they could easily go back and verify that I had been told that my due date was a pushed out a month as a courtesy from city, this is an elite card. I just would like to see if theres any misconduct and to have city be held accountable possibly even paying half of my balance. I did a balance transfer when I signed up for the card when I applied for the credit card back in XXXX, it took over a month for the transfer to go through. Thats ridiculous plus a {$200.00} fee so if anything I want my {$200.00} back credited to my account and I want any late penalty or fee associated with this account to be reimbursed due to the fact that I was told it wasnt due until XXXX. Therefore I dont have it today that is what really made me mad. Thank you so much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Citi denied a card after saying i i was pre-aprroved.If they saw my credit report they saw the bankruptcy. Algorithm needs fixed or an exam needs to review this process. 3 of ther 4 denial reasons say bankruptcy from many years ago. I have 6 cards, i XXXX XXXX XXXX XXXX card. credit i snot an issue, they have me blackballed. Consumer harm to my credit report. Called and reported. Citi needs to review their application process, make it fair, and this seems to be an in fair practice or UDAP...... definitely need an examination team from the west region to review hwo they process pre-approvals and denials. Seens to be a disconnect. screwing consumers over is a not a good business practice. I have a less than 30 % debt to income, i pay no taxes so my gross is my net, and my last 5 years of credit is perfect. Again they seem to be providing much consumer harm. As one would expect from a citi card with what seems little to no compliance oversight, or board reviews., Just from me talking to them once. See attached denial letter. Ridiculous 3 of the 4 reference bankruptcy, 1 would be appropriate, 3 is abusive. I would have consumer stay away until remedied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2023, I created a Citibank checking account. I decided to use the Citibank checking account to pay my XXXX Citibank Credit card. I set up automatic bill pay with a specified amount of about {$200.00}. My first bill pay was XX/XX/XXXX for {$130.00}. My second bill pay was XX/XX/XXXX for the same amount. Both of these amounts were lower than the amount I designated. These amounts were so low that the did not meet the minimum payment of my credit card, and the minimum payment of my credit card increased to a little over {$700.00} for the month of XX/XX/2023. To remedy this, I once again updated my custom automatic bill payment to {$200.00} a month. I checked the bill payment a couple of days later, and the change had not taken. So, I went in again. This time, I updated my custom automatic bill payment to {$250.00}. Please note, that these payments are scheduled to be taken twice a month ( on the XXXX and the XXXX ). So, I had therefore schedule {$500.00} worth of payments. I reviewed my account at a later date. My bill pay update was successful, on XX/XX/XXXX my Citibank bank account was drafter {$250.00} in order to pay my Citi bank credit card. Knowing that {$500.00} was not enough to make my minimum payment of {$700.00} for the month of XXXX, I made an additional payment of {$450.00} to my CitiBank credit card on XX/XX/XXXX from an external bank account. This brought my totally monthly credit card payment for the month of XXXX to {$700.00}. The monthly payment due was {$700.00}. On XX/XX/XXXX, despite still having my custom auto payment set to {$250.00} and despite having already paid my minimum payment for the month of XXXX. Citibank drafted my checking account {$350.00} ( my checking account only contained {$290.00} in it ). This overdraft-ed my account by {$53.00} I called Citibank to inform them that they had taken an unauthorized {$100.00} from my account causing me to overdraft. They said that they were justified, because they were trying to make up the minimum payment. I told them that I not consented to that amount, and that I had already paid the minimum payment of {$700.00} that month. They told me that the were still justified because I was over my credit limit, so they took the money to bring me below my credit limit. I was close to my credit limit of {$8700.00}, but I was not above my credit limit. The customer service representative said that he would not pay back the unauthorized {$100.00} to my account, and he attempted to give me a lecture on how I can do better in the future. I have still not received the overdraft amount on my Citibank checking account, but I am sure that it will be coming soon. Now, I have to wait for a money transfer of {$54.00} to my Citibank checking account from an external account, in order to be able to close my Citibank checking account. Not only do I feel that this whole experience has been a breach of trust, an overreach, and a complete abuse of power, in which they are protecting themselves by hiding behind their own legal jargon. I feel that they deceptively presented their automatic payment system as a convenience, when in reality they are using it to take whatever amount of money from customers accounts that they want. Even if that amount is above or below what was authorized. I mean, when they drafted my account {$130.00} twice the first time I signed up for autopayment, even though I set the amount to {$200.00} ( a total of {$400.00} over those 2 payments ). Citibank profited on the interest on the {$120.00} that they did not draft for the month of XXXX. So, Citibank has made money on both over charging me on the autopayment and undercharging me on the autopayment. In synopsis, I set my Citibank credit card autopayment to $ XXXX {$250.00} 3 separate times. 3 separate times, the Citibank credit card autopayment took a different amount than the amount that was authorized, until it took 40 % more than the authorized amount. When I informed Citibank credit card services of this, they refused to repay me the {$100.00} or compensate me for or waive the impending overdraft fee on my Citibank checking account. An additional note : When uploading the documents to file this claim, I did notice that the email said that the {$250.00} autopayment was a one-time payment adjustment. However, even under that logic and the logic that the customer service agent provided, because I had already paid {$700.00} of the {$700.00} minimum payment, Citibank should have drafted my account {$0.00}, not {$350.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Two negotiable instruments were accepted and processed by Best Buy but they have not adjusted the account balance and have restricted my credit unfairly.
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: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I attempted to open a Certificate of Deposit account online with Citibank XX/XX/XXXX in the amount of {$50000.00}. The funds were never taken from the originating account, a non-Citibank account. The account was closed and I was not able to access what transpired online as it was a closed account. I called Citibank in late XXXX of XXXX and was told the CD did not fund. I considered this the end of this transaction. In late XXXX of XXXX, I received an IRS form 1099-INT in the mail showing I had interest reported on this account for XXXX in the amount of {$26.00} to the IRS. I did not receive this interest. I called Citibank in early XXXX of XXXX and asked for the form 1099-INT to be reversed as the account was closed without funding and I did not receive this interest payment noted on the 1099-INT. I was told to write a letter requesting this and send to Citibank, which I did on XX/XX/XXXX and sent certified via United States Postal service, return receipt electronic. The USPS report as of XX/XX/XXXX states they were unable to locate any delivery information in their records for my item. No corrected 1099-INT form was received as of XX/XX/XXXX. I called Citibank and spoke to a supervisor named XXXX. He stated the CD was issued, the funding bank requested the funds back and the CD was closed on XX/XX/XXXX. He created a case number and requested a Transaction Activity report. He can not tell us how or who the interest was paid to that is the amount on the form 1099-INT and stated he would work with the back office to see if a check was issued and has cleared. He was to call me back on XX/XX/XXXX. I did not receive a callback. I received the Transaction Activity report noted above dated XX/XX/XXXX via email on XX/XX/XXXX and subsequently via the US Mail in early XXXX of XXXX. On XX/XX/XXXX, I called Citibank. I was not able to speak with XXXX but spoke to a representative named XXXX and left a message for XXXX to call me back. No callback was received. On XX/XX/XXXX, I called Citibank again, was given to a supervisor named XXXX. She stated she would be creating a new case number to have the 1099-INT reversed as she stated she can not see in their system that a check was ever issued for the interest in the amount of {$26.00}. She requested this be expedited and could give me no specific time frame. I waited until XX/XX/XXXX ( three months ) and no corrected 1099-INT form or a check for {$26.00} has been issued to me. I called Citibank and spoke to a supervisor named XXXX. I again explained the circumstances and gave the case # 's given to me previously. She stated she would send an email to the research team to expedite work on this case/s. She was to call me back on XX/XX/XXXX at XXXX XXXX Arizona time ( MST ). No callback was received and I am now filing this complaint against Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citi Bank sent me an advertisement via email on XX/XX/2023 offering a {$450.00} bonus if I open a Savings Account with {$50000.00} deposit. I have opened and funded the account, but never received the offered bonus of {$450.00}. I had a conversation with Citi representative XXXX who promised that my account would be credited. As of today, my account is still not showing the promised bonus. This could be a case of false and misleading advertising. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have held Commercial Revolving Charge card with Home Depot since XXXX. Citibank is the servicer for the Home Depot cards in additional to many other retailers. My credit is excellent in the XXXX range and even so there have been times over the years I have been late with a payment to various entities. If that ever occurred, I always apologized and paid a late fee. Im careful in financial management and most always pay the full amount of a charged balance on each statement. Normally, I would never take the time to write a complaint letter requesting for government investigation, but in this case : I believe CitiBank Card Services engages in intentional billing errors with the purpose of generating additional revenue by unjustly collecting late fees, finance charges and high interest charges. I believe their collection staff is trained to unnecessarily intimidate and harass customers to confiscate unjust charges. If Citibank has done what happened to me as noted below, how many other people have they taken advantage of? XXXX XXXX was due XX/XX/XXXX in the amount of {$990.00}. Payment was issued and mailed on XX/XX/XXXX. The following XXXX XXXX reflected the payment of {$990.00} was processed on XX/XX/XXXX and Home Depot added a late fee of {$29.00}. XX/XX/XXXX was a SUNDAY and the USPS does not deliver mail to businesses on weekends, thus Citibank had to have received the payment on or by the due date of Friday, XX/XX/XXXX. I called Home Depot and spoke with a kind representative who agreed and said the {$29.00} fee which I did not pay, would be waived. Then in XXXX I received a collection call from Home Depot, I immediately returned the call and reached the most unprofessional, rude representative Ive ever dealt with XXXX from Texas who then sent me to XXXX ID # XXXX. I politely explained the circumstances then she unleashed and claimed I never called the first time and basically stated, I was a liar, late payer and irresponsible cardholder. She demanded I now pay {$73.00} which she said was the new balance. I had not received any statement reflecting a {$73.00} balance and requested a faxed copy. The conversation became heated, I became very angry and I told her to cancel the XXXX XXXX XXXX XXXX XXXX Days later on XX/XX/XXXX at XXXXXXXX XXXX CitiBank faxed me a copy of the XXXX and XXXX Statements. The XXXX XXXX had the previous {$29.00} XXXX a {$1.00} finance charge and another {$29.00} late fee, for a total balance due of {$59.00}. The XXXX XXXX reflected the accumulated {$59.00} balance for unjust charges plus an additional {$40.00} late fee which was credited back and a legitimate {$14.00} charge for goods. I paid the entire balance of {$73.00} including the compounded late fees and finance charge on XX/XX/XXXX. DONE and the account is closed by the Consumer which adversely effects my good credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I finished the requirement on XX/XX/15, and should earn XXXX AA miles. Chatted with citi agent and got confirmed. However, miles should have posted XX/XX/15 for me but did not. Called Citi and got the run around of what their terms are. Eventually was told that they created a ticket. I received a response as another poster below that the fulfillment is done systematically and would be paid out 90 + 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A