Date Received: 2023-07-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2023 I used my Citibank online banking services to request a stop payment on a check to pay credit card bill. I had sent the check in the mail 3-4 weeks earlier and the Citibank credit card company hadn't received it. The system communicated twice that once I requested the stop payment on the check, I could not undo the action. I acknowledged this. Then AFTER I completed the request, I got a message saying that I would be charged {$30.00} for this action. While I think {$30.00} is a lot for a stop payment on a check, I am not asking for the money back. I'm requesting that customers be informed, BEFORE completing the transaction that there is a {$30.00} fee involved. I also called Citibank customer service to register my complaint, though I am not certain anything will be done about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I transferred {$5000.00} to Citi Accelerate saving account via ACH a month ago ( XX/XX/2023 ) and the money was flagged by their fraud prevention department. Then they closed my savings account without any legitimate reason. They did not tell me why. They just said I violated the rules. but I 100 % sure I did not do anything illegal. The only thing I did was transfer the money to their account. They asked clients to deposit a huge amount of money to get the sign on bonus and then they just close their accounts and hold their money. This is how Citibank scam their clients! There are ton of victims that have similar situation on XXXX. Citibank closed my account and had holding the remaining balance of around {$15000.00} which is my emergency fund for over a month before sending back to me. I had been calling and sending emails to get my money back almost every day during this period of time, and it really XXXX me out, I couldn't sleep well everyday. I still don't know why I deserved this? Did I do anything wrong? Did I do anything wrong? Did I do anything wrong? Citibank Please tell me which term I violated and why you treat your client so badly. why I deserved this? why? Also, they are goingto close my credit cards as well. My credit score will hurt badly. and I got XXXX TYP points left in that account but I can't redeem as they froze it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by CITI ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. Documentation showing that the Collection Agency is licensed to collect debts in my state. Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts. If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone stole my information and opened a credit card in my name in South Dakota and I never been nor lived there I need this off my credit report. This Is Not XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My savings account at Citi Bank has been labeled inactive for 1.5 - 2 years. This account was made inactive because I did not have a withdrawal on the account for XXXX years, even though I deposited money in the account monthly ( because its a savings account... ). I first tried to resolve this aout 1.5 years ago, after talking to CITI, I was told to write a letter with my account info and asking for the account to be reactivated since there is no branch in my state. I complied with their resolution and they never received the letter. Attempt XXXX, I was told that a manager would personally contact me and I was never contacted. I resent another letter to the branch and once again the letter was not recieved. Attempt XXXX, I called and reverified the address and sent the letter priority mail with tracking. After the tracking said the letter was recieved I called a few days later. No letter was recieved again and the confirmed address they gave me last week is now the wrong address. The only fix for this is to countinously waste time and money on sending mail for them to never get it. Their system is broken and when you ask for a different way they will tell you their XXXX is busy and will call you later which then never happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97355
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a Citibank cardholder ( 2 separate cards ). I inquired via a chat session on the Citibank website about potentially converting my Simplicity card to an American Advantage card. The chat agent answered several questions for me and confirmed that I would be eligible for the XXXX XXXX XXXX signup bonus upon meeting a spending threshold of {$2500.00} over the first 3 months of having the card. I acitvated the Card on XX/XX/XXXX and met the spending threshold less that 2 months later. When I followed up to inquire on the status of the XXXX bonus points, I was told by an agent that there was no bonus available and the original agent had provided me with " misinformation ''. I would never have opened the new card as the terms were more advantageous on my original Simplicity card. However with the bonus offer, I was moved to switch the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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: On XX/XX/XXXX I received a text from Citibank questioning authorization on a transaction. I thought it was a phishing scam and ignored it. I later checked my email and saw they emailed me too about an unauthorized purchase for {$1000.00}. I called them immediately to let them know it was not me. They told the purchase was approved but a second purchase for a higher amount was declined. I answered all their questions. I thought I had my citibank card but when I checked my pocket book it was gone. I didn't realize this until I was on the phone with them. My kids are authorized users and we were all together when this incident occured so I know they did not use the card. From speaking to the Fraud Dept, this purchase was made in XXXX Maine. We live in XXXX, NY and were in XXXX when this happened. I did not make this purchase, my XXXX sons who are authorized users did not make this purchase. It was done without my consent and authorization from someone who has my card. I am a victim of fraud and identify theft. I explained this to Citibank multiple times as I am disputing this fradulant charge and they are holding me responsible to pay back {$1000.00}. This is a matter of fraud. I am the victim and I should not have to pay for something I did not authorized. I was not even in the state where the purchase was made. I have been very compliant with Citibank answering all there questions. Today I get a letter that the case been closed and I am responsible for the charges. This is not right. I am a victim of fraud and identifty theft and I have to pay it back. This case was not been handled well. I want to be released of these fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX I was sent a credit card statement saying that I owed {$99.00} for a credit card with CitiBank that I never applied for. I have never received the card and do not want it. I will not pay {$99.00} for a card I do not want and will not use. This seems like a scam to me. When I called the XXXX number I got a person in a foreign country with terrible English who wanted my social security number which I will never give over the phone. I wrote a letter on XX/XX/XXXX to the CitiBank address on the statement and I have never gotten a response. The company has no working email address on their website. I tried the chat feature on the website. This time I got a phone call from a person with a thick Russian accent. She also request my SSN, which I did not give to her. I continue to get threatening emails from CitiBank. I no longer get the robocalls because I blocked the number. I can not give anyone the credit card number because I never received the card and it is not on the statement. It gives the last four numbers as XXXX. Is there a way to resolve this without giving someone my social security number?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an online checking account tempted by a CITIBANK 's bonus offer to earn XXXX of XXXX XXXX miles. A month after the accounts origination, XX/XX/XXXX, it was unjustly closed without any communication, on-line access was blocked. Even though the account was closed it still accepted part of my payroll deposit ( {$500.00} ) and cleared a personal check ( {$700.00} ) from my other bank. There was about {$650.00} in tat account already in the account prior to that. Any attempts to recover my funds have been unsuccessful. I contacted customer service center on multiple occasions only to get more frustrated. Submitted verbal and written complaints - no response. The centers employees gave me robotic, scripted answers and lacked professionalism. My concerns regarding my funds being retained without valid reason were not addressed. At this time CITIBANK has been in possession of {$1800.00} + of my funds for over a month which is a violation of funds availability policy and completely unacceptable, unethical practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49417
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My daughter and I have some joint accounts. On XX/XX/XXXX my daughter unknowingly deposited a fraudulent check. All of our accounts including savings were immediately blocked by citibanks fraud unit. Repeated phone calls by me and my daughter and visits to two branches have not resolved the issue. Citibank did not give the option to simply dishonor the check rather they chose to block our accounts. Representatives in the banks fraud unit were rude to me and to my daughter. My daughter and I are blocked from approximately XXXX in savings and my daughter can not access her checking account that has payroll deposits. No option was given to open new accounts. I am a retired Citibank employee and have had a banking relationship since XXXX. Why is the bank penalizing us for a bad check that was given to my daughter. She did not write the bad check nor overdraw her account. This has been a total nightmare for us and I should mention we are considered citigold clients. I need the immediate release of our savings and my daughters checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A