Date Received: 2023-07-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Recently on XX/XX/XXXX I opened a Citi business account in the branch with a representative in person and that account was closed a couple of days later due to fraud and this is the account I am complaining about. The letter just says, " I have violated the terms of the account per the client manual ''. I opened the account with my social security card and Drivers License and there has not been any activity in the account so I dont know what terms I violated. The account was opened less than a week and the account balance was 0. I linked one bank account by sending trial deposits and this is when I discovered that the account was closed. In the past I had a citi saving account randomly closed for fraud so I think that I am black listed in the data base. I can open accounts in person and over the phone and the account will be approved then later its systematically closed. This is frustrating because I've lived at the same address for many years, I am an normal W2 employee, and I open the accounts accurately using my real social, address and drivers license. There is no fraud. Now this business account was closed for reason that I don't know other than I violated something in the client manual which seems unlikely due to it being a 0 balance. Following up with the call center doesnt get me anywhere
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a late fee and interest on a credit card that had already been paid twice. I had a continuing balance on a Costco Citibank Credit card. The payment due date was the XXXX day of each month. On XX/XX/XXXX, of XXXX I made a {$1000.00} payment on my balance due. On XX/XX/XXXX, I checked the balance on my card and it was {$6400.00}. Which I paid in full online bringing my account to a XXXX balance. On XX/XX/XXXX and XX/XX/XXXX, I incurred XXXX charges of {$620.00} and {$19.00}. And expected these charges to be billed on my XXXX statement. On XX/XX/XXXX, I received XXXX statement from Citibank with payment due XX/XX/XXXX. They charged me a {$30.00} late fee and {$11.00} interest fee, even though I had paid off my bill fully on XX/XX/XXXX, 2 days before the due date of XX/XX/XXXX. I called Citibank customer service, and at first the woman tried to tell me that I hadnt paid my XXXX bill, but I told her that I had fully paid my account up early on XX/XX/XXXX, XXXX days early. She told me that I hadnt paid my XXXX payment, but I told here I had paid my bill fully on XX/XX/XXXX. I asked to speak to a supervisor and he acknowledged that there is some kind of computer problem that if people pay a bill early, it credits the wrong month if you pay it before the due date and you are charged a late fee and interest. Its unfair that consumers who pay their bills earlier then the due date and make XXXX separate monthly payments instead of waiting until the next month, receive a penalty because of a computer software glitch. Consumers are needlessly being charged extra fees and interest if they pay their bill early. Citibank did reverse the charges once I complained, but how many consumers didnt know the are being erroneously charged late fees and interest in error if make XXXX payments in a month, XXXX at the end of the month instead of at the beginning of the monthly billing cycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I made a {$2100.00} payment on my Citi XXXX credit card. The balance on the last statement was {$21000.00} which included a {$16000.00} Flex Plan advance at 9.99 % interest that we obtained in XXXX for purchasing an auto for a minimum payment of {$360.00} per month and included approximately {$4500.00} in balance transfers with 0 % interest. On XX/XX/XXXX, a {$1700.00} promo balance transfer was due but because of Citis policy of applying anything over the minimum payment to the highest interest rate, I made the payment after XX/XX/XXXX because the interest then went to 20.99 %. I looked at my account today and Citi applied all the payment to the Flex loan instead of the promo balance transfer and when I called Citi, spoke with XXXX, she told me that she could not change the application of the payment because how the payment is treated is really based on the closing date of the last statement. According to XXXX although the balance transfer interest rate went to 20.99 %, I would have needed to wait to pay that higher interest rate promo balance until after the closing of my XXXX statement thereby incurring accrued interest on the {$1700.00} from XX/XX/XXXX to closing. I brought to her attention that my statement and their disclaimers about how overpayments are treated do not include anything about statement closing dates in relation to payments applied to the highest interest rate. She disagreed but said she could give me a deal by making my interest incurred since XX/XX/XXXX go away and she moved the {$1700.00} to a new 0 % interest promo date of XX/XX/XXXX. I told her I would take that because otherwise I would incur interest on the promo but that I was going to file a complaint because I suspect I am not the only person who has dealt with this at Citi. Buyer beware, even if your promo expires, and you go to a higher interest rate, any overpayment will not be applied if you have a lower interest rate on your card. Citi needs to apply payments to the highest interest rate balance in accordance with its own disclaimers and statements.
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: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The first of this year when I was trying to get a house I became aware of this account with CBNAXXXX XXXXXXXX. I disputed with the credit bureaus but it came back verified. I couldn't believe it. I filed a FTC identity theft report because I knew someone used my information without my consent. I called the bank that issued this card and they notated my account and said they would mail a fraud package. This was XXXX months ago. This company continues to report this account even after I submitted my identity theft report and all XXXX bureaus. Because of this account I'm unable to close on my dream house. They are aware of the fraud and yet continue to report it to the credit bureaus. I do not owe the balance their attempting to collect because the charges were unauthorized by me because of the fraud.This is a violation of my consumer rights and is wilful non compliance of the FCRA 605B, FDCPA, and FCBA. I state this record of the improper handling from this company and request an investigation. Last 4 of SSN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my citi bank checking account on XXXX in a branch, they offered me a bonus of {$200.00} for opening an account with them. I still havent recieved the funds for the bonus and I have completed the requirements to obtain the bonus they offered and they even inputed the bonus code on my account. Bonus is for {$200.00} in 90 days i have to make at leasts 2 direct deposita totaling {$1000.00} and more from the day the account was open, and i have made over 5 time {$1000.00} direct deposits in the last 3 months and I still havent recieved this bonus. Im demanding my bonus because they sold me a whole checking account and all this terms and bonuses for me to do business with them and they are not doing their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to submit an urgent complaint regarding the non-receipt of funds from Citibank, which has caused significant financial distress and has yet to be resolved. On XX/XX/2023, I opened an account at Citibank, placing my trust in their reputation for excellent service and reliability. Unfortunately, shortly after opening the account, on XX/XX/2023, I received a letter from Citibank stating that all of my accounts were scheduled for automatic closure within 60 days. The closure notice assured me that the funds, totaling {$55000.00} USD, would be returned to me via a check delivered to my home address. It has now been well over 60 days since the closure notice, and I have not received the promised funds. Despite numerous attempts to resolve the issue through direct communication with Citibank 's customer service, there has been a lack of response and no resolution. The non-receipt of these funds has caused significant financial hardship, as I relied on these funds for my financial obligations. The delay has left me in a state of financial uncertainty and distress, and I am concerned about the lack of accountability and transparency in Citibank 's actions. I kindly request the Consumer Financial Protection Bureau 's immediate intervention to investigate this matter thoroughly. I believe that Citibank 's failure to fulfill their obligations is a violation of consumer protection laws and regulations. I trust that your agency will take prompt action to ensure a fair resolution and hold Citibank accountable for their actions. To assist in your investigation, I have attached copies of the closure notice, bank statements, and my communication with Citibank 's customer service. These documents provide a comprehensive overview of the situation and the ongoing delays and lack of response. Account Holder : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Debit Card Number : XXXX XXXX XXXX XXXX Account Number : XXXX Amount in Savings Account : {$55000.00} USD Citi Executive Department Case Number : XXXX I am prepared to provide any additional information or documentation that may be required to support your investigation. I genuinely hope that the Consumer Financial Protection Bureau 's intervention will lead to a swift resolution, ensuring the return of the funds rightfully owed to me. Thank you for your immediate attention to this matter. I eagerly await your response and appreciate your assistance in addressing this concerning situation. Yours faithfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I disputed the transaction of {$50.00} because the merchant refused a refund but I did not receive the service as promised, so I disputed my transaction with my bank and I later got a letter with the final decision and they did not get my funds back because they said there was enough information to support my claim. I also emailed them all the information they asked from me. The transaction details are Date : XX/XX/2023, Amount {$50.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow. The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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 discovered two two charges for identical amounts for {$53.00} when I examined my most recent statement. I wrote to the Citicorp Visa approximately two days later advising that I knew nothing of the charges and requested that it be removed. Citicorp sent me documents by email on XX/XX/XXXX that were to be completed by me to certify that no authorized user on my account ( which I am the only one ) and I promptly completed same. On XX/XX/XXXX, a letter was generated by Citicorp to me advising that the investigation was complete, the charges were deemed to be legitimate, and that the provisional credits were reversed meaning that I owed the amount in question in the amout of {$100.00}. No information was provided as to how they made this determination. Upon learning of this letter, I again contacted Citicorp Visa and advised that this charge was indeed fraudulent, and it was incorrect for them to close an investigation, essentially calling me a liar, and removing the credits. The investigation was to be reopened and I was to be notified. This call took place on XX/XX/XXXX. I subsequently wrote a letter to the CEO of Citicorp, XXXX XXXX on XX/XX/XXXX. I have yet to hear back from her office. Today, I received my monthly statement with a closing date of XX/XX/XXXX which shows that the credits were still reversed, the charges were deemed to be 'legitimate ', and the original charges were re-applied. This tells me that the customer service manager to whom I spoke apparently paid me lip service and has disregarded my concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022, I opened a Citibank " Miles and More '' savings account with an opening offer of XXXX XXXX XXXX Miles as well as an ongoing 25 % bonus on miles earned on a linked Citibank/XXXX XXXX XXXX XXXX XXXX XXXX , with deposits of over {$10000.00} maintained for at least 90 days. I deposited {$10000.00} into the account on this date to open the account and meet the terms of the promotional incentive associated with the account. On XX/XX/2022, the XXXX miles were credited to my XXXX XXXX AAdvantage account, but nothing was adjusted on the earning rate of the linked credit card. I contacted Citi who opened a ticket to investigate the issue, and after several weeks and reminder received a note that the case was closed as the XXXX miles were credited. I reached out again to clarify that this was not the issue, it was the 25 % bonus, for which they agreed I had met the qualifying criteria, that was the issue. Another ticket was filed and nothing happened. I called again and was passed through 5 different departments ( each one saying this was another part of the bank that was responsible ; I started with the XXXX XXXX, who said it was a credit card issued and transferred me to the Credit Card Issuing services ; they said it was the bank accounts and transferred me back; same answer and back to the credit card company who then transferred me to XXXX XXXX, who of course could not help as they said it was entirely a Citibank issues ). There was a clear lack of understanding of the issues as well as how to deal with this at the offshore Customer Service centers operated by the Bank. Opening a ticket was the only thing that could be effectively handled, apart perhaps from transferring me to someone else. I next tried the online chat tool on the website ; after eventually getting past the chatbot that could not help, I again was passed from party to party after maintaining a chat for over 1.5 hours. At this point I feel that this is a bait and switch offer from the bank, promising rewards in order to obtain deposits and then not delivering on the offer, either through ineptitude in their structure and customer support functions or by design, not sure I can tell which. Please let me resolve this matter that the bank clearly does not want to. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A