Date Received: 2023-06-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I mobile deposited my check from working at the Indiana XXXX into my account. Shortly after this my account was flagged for closure. I called and asked why and they said for an invalid check. I asked for details and they refused to tell me anything other than I would need the issuer ( state auditors office ) to call. I provided this number and an agent told me it was invalid and not a Indiana number?? I called back again to try to get more details on the situation and what I can do or if the money ended up being deposited. Was told I could be provided no further information and I had to wait 60 DAYS to get access to money IF it did go through, the agent couldnt even tell me if it did or not. All of this happened XXXX XXXX. The company is CITIBANK mobile banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46750
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am filling this compliant regarding Citibank closed my saving account and refused to send me the funds remaining in my account. I opened a new Citibank Accelerate Saving account back in XXXX and successfully deposited $ XXXX on XX/XX/XXXX from my XXXX XXXX XXXX saving account. On XX/XX/XXXX, I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving an mail with detailed statement and a check of the remaining balance, which is around {$15000.00}. Ok, no problem. But after patiently waited for 2 months, I still have not received anything from Citibank as of XX/XX/XXXX, so I called them again and this time they told me I will not be getting a check of the remaining balanced on my closed account. Instead, they asked to me contact XXXX XXXX XXXXXXXX where the funds originally came from, and they need XXXX XXXX XXXXXXXX to file a Hold Harmless Claim and return the remaining balance to the original account. Again, there were no explanation from Citi representatives as to why they can`t just return the remaining funds to me, which is legit deposit from my funds in XXXX XXXX XXXX XXXX Anyways, I contacted XXXX XXXX XXXX for this request of filing Hold harmless claim. After talking to 5 different agents in XXXX XXXX XXXXXXXX claim department, which took me almost 4 hours. I got the same answer from them that XXXX XXXX XXXX can not file a Hold Harmless claim for the XXXX XXXX fund transfer to Citibank, because the fund transfer was totally legit and no implication of fraud, it was made by myself and was successfully deposited to Citibank account. XXXX XXXX XXXXXXXX states that Citibank should return the remaining funds directly to me, because it`s my money in Citibank account. If Citibank suspects any fraud involved in this transfer, XXXX XXXX XXXXXXXX expects Citibank to contact their fraud department and provided a contact email address. In the following days, I made numerous calls to Citibank again, informed them of the response I received from XXXX XXXX XXXXXXXX, but all in vain. Citibank refused to contacXXXX XXXX XXXX XXXXXXXX fraud department to request a claim, and Citibank Deposit Risk team still insists XXXX XXXX XXXXXXXX to contact them to file a Hold Harmless Claim for a legit funds transfer from XXXX XXXX XXXXXXXX perspective. Citibank again refused to return my funds back to me on the closed account. As a consumer, I`ve done my due diligence and spent tons of hours working with Citibank trying to get my money back, but ended up being putting into a hopeless position by Citibank where I run out of ideas how to get my {$15000.00} funds back. Citibank closed my account and hold account balance since XX/XX/XXXX with no reasonable explanation, and made the process impossible for a consumer to get their legit hard-earned money back. I sincerely hope CFPB can help in this situation with Citibank and and get my funds back. Thank you so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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 scheduled massages and facials for myself, a friend and our husbands on XXXX. I called XXXX XXXX XXXX and gave them my credit card to hold our spot. A week prior to our appointments my friend and her husband were unable to go ; that day I called XXXX XXXX XXXX and spoke with ( XXXX I believe ) and informed her to cancel every appointment, and except 1 facial ( for myself ). She said that was fine. On XX/XX/XXXX, I went to the salon by myself and had a facial. I paid for it while I was there ( approx {$150.00} ) and left. When I was later reviewing my statement I saw that XXXX XXXX still charged me for 4 facials and 4 massages, totaling {$810.00} on XX/XX/XXXX. Citi Bank has reviewed my my case and XXXX is not crediting my account. I refuse to pay for an {$800.00} charge that is not mine, I called and canceled a week prior. And I went to the spa on XX/XX/XXXX for a facial, which you can confirm on my statement. The charge for approximately {$150.00} on XX/XX/XXXX is accurate. The {$800.00} charge on XX/XX/XXXX is not accurate. This is a lot of money, I need someone to review. Please review camera recordings from that day? Please let me know whatever i can provide to help resolve my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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, there was a charge for tax services by XXXX XXXX XXXX NY for {$570.00}. I filled a dispute on XX/XX/XXXX with the credit company ( citibank ) as this merchant is a fraud and does not have a license to provide tax services. I explained this to the credit card company and they said they had to reach out to the merchant first. The credit card company sided with the merchant on XX/XX/XXXX even though they could not provide me any documents that the merchant give them to show he provided tax services legally. I been trying to speak to a manager at citibank to handle this issue, but have been unsuccessful. I have reported this merchant to reportfraud.ftc.gov. I also will be reporting the merchant to the IRS for improper tax preparation. I have attached the receipt, I have an email asking for a following up from the merchant. I made phone calls to the merchant with no call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This has to do with a Macys XXXX XXXX account credit card that was opened in XXXX at the store. I signed up for paperless statements, made a purchase for {$19.00}. Did not receive my paperless statement nor a paper statement. Called to make a payment Could not do so without the account number which I did not have. Then tried to make a phone payment using the XXXX number and account number for my bank account. Thought it went through however it did not. I called and spoke with XXXX on XX/XX/XXXX who informed me that the phone payment did not go through. Made the payment for the purchase less the fee which I told her I was doing on that same day. Continue to get statements with continued fee charges. Sent a message to secured email with same details however, no resolution to date a they are trying to charge {$190.00} for a a {$19.00} purchase. Original payment was due on XX/XX/XXXX. Phone payment was attempted on XX/XX/XXXX. Since it did not go through a payment was made on XX/XX/XXXX, when I called on XX/XX/XXXXXXXX XXXX XXXX did not inform me that she was able to waive 2 late fees in which case the only balance due wouldve been the payment for the purchase of {$19.00}. Now after several follow ups, I learned that they will waive two late fees ; however on a much larger balance, due to all the fees theyve added onto the account statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX I made a large furniture purchase to replace all my flood damaged living room furniture at XXXX of {$11000.00}. I errantly gave the salesman my XXXX Citi Visa Card which had a {$9500.00} limit instead of my XXXX XXXX card which has a large limit. Citibank approved the transaction although it was almost {$2000.00} over my limit. If they had declined the card I would have immediately known I had used the wrong card. I did not realize the error until I returned home and noticed the last for digits of the Costco Visa XXXX were on the invoice. I called Citi and wanted to pay the entire balance off right then and there. The agent said it was still pending and I would have to wait until it posted. The statement closing date was XX/XX/XXXX during a three day holiday weekend. I called back at least four times trying to pay this balance off in full. The agents could not do it and the website would not allow me to pay because it was still pending XX/XX/XXXX the statement closing date. On the morning of the XXXX I made the full balance payment of {$11000.00} after an email from Citi on the XXXX said the charge had finally posted and my full payment was made then. My complaint is Citi posted the {$11000.00} on the XX/XX/XXXX statement after telling me it was still pending. This caused Citi to report to all the three major credit bureaus I was over my limit destroying my XXXX plus credit rating after repeatedly telling me it was pending. Deceptive and untruthful was Citibank. I want an explanation and removal of the information from my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Home Depot Credit Services sent me a letter dated XX/XX/XXXX notifying me of new cards being sent to my business. The cards never arrived. They have since told me they mailed the cards to an address that I removed from my account over 9 years ago in XXXX. An address that was my mailing address only for approximately 5 months. They are now trying to say that the wrong address is the physical location of my business and it is NOT. That was never the physical location of my business. I asked them for something in writing showing who changed my physical business location to that address and when. They refuse to do that. They can not answer why the last time they issued a new card that it was sent to my current and correct address in XXXX of XXXX. I simply want a copy of the written request on my company letterhead that they have told me it takes for them to change the physical location of my business. I never changed the physical location of my business to that address in Maryland. I want a copy of the written request on my company letterhead that made them change my physical location to that address because I never sent them such a written request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I tried to log in to my online banking access was denied, then I call Citi bank to find out if their system is down they told me they have closed my account due to suspicious activity, they said my check from my employer with my name and everything has been returned I told them let me call my employer they told me no need to that their decision was final. I asked about my funds they told me I will be able to access them after investigation that may take up to 60 days. I have a checking and a saving with about XXXX XXXX or more. What am I going to do how am i going to pay my bills Ps : the check amount was XXXXXXXX XXXX CITI BANK IS UNFAIR TO CONSUMERS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Multiple credit inquiries for duplicate companies Address and name is not accurate old addresses keep reappearing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have contacted Citibank to resolve this issue several times. I have applied to have my limit raised from XXXX to anything, just raise it. it hurts my credit with a low limit. My other cards have raised my limit over XXXX without me even asking. My credit score is over XXXX. They originally sited no reason for denial and I filled a complaint on the phone with them first. I was contacted once and was unable to speak as I was driving back from down south with my daughter and did not have my financial information with me. When i arrived home I received another denial letter. I earn over XXXX yearly and I am included in a protected class of people and see no other reason for my exclusion.
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: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A