Date Received: 2023-06-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: About 2 hours ago today ( XX/XX/XXXX ) I attempted to use my card to make a purchase. The transaction was denied and I received a text/email to call Citi, which I did promptly. Upon this phone call I was advised my account was placed on hold for possible fraud, I explained who I was and that I attempted to make that purchased and called as soon as they told me to, I was advised there was nothing they could do as the account had to be verified by having a letter sent to my home. I explained to the agent Im out of the country and wont return any time soon, she said there was nothing she could do, I asked to have my call escalated and spoke to a supervisor who called the number in the account and reached me, I gave her all my info as well. She said the same that she couldnt help and I said even if I wanted to go back to states to verify my account I wouldnt be able to as Im in a foreign country with no access to money, she said she couldnt help and was going to hang up. I pay a yearly fee and have always paid my bills on time, its inadmissible and inhumane that they purposely left me in foreign soil without any access to money. Im unable to pay for food, shelter and transportation as I dont have another card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46804
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Opened checking and saving priority account and got blocked due to possible fraud and saying I have violated an agreement and all account including credit card will be shut down. All funding was transferred from my own US accredited bank so shouldnt have been an issue ( XXXX and XXXX ). Have been using XXXX to pay off my credit card for years! Been contacting citi weekly since mid XXXX to get issue resolved. Been over a month and very little progress has been made. Contacting via phone and email has been useless. Lots of unanswered email and almost always no one pick up when I call back on the number they left on voicemail. After a month of unnecessary investigation finally unlocked checking account but still block online access so cant put money into saving account. The only reason an account was open was because of the 4.3 % interest rate that was promised. I am tired of having my own money held hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96793
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was scammed out of XXXX dollars by crooks on the phone calling me from the Citibank help number and texting me with the exact Citibank text. The money was taken from my XXXX account which I have read is a popular scam. I knew nothing of this until it happened to me last week. They had all my emails and passwords, my bank info and passwords, etc. I have reported this to the Sheriffs department, the the FTC and I am waiting for the bank to decide what to do and am trying to keep my spirits up. That was all of my money for retirement i am XXXX XXXX XXXX. I have been out of work for three months and have been trying to stay afloat. This happened on XX/XX/XXXX and XXXX and I am so mad at myself. These crooks were so good. I do not want this to happen to anyone else and I think the bank should be liable. I am a Citi customer for over 25 years and a Priority member. If they do not protect me, who can? I will have to keep my money hidden at home. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The Citibank credit card company sent to my citi app with the promotion offer of XXXX bonus mile after spend of {$4000.00} in 4 months. I was apply and got approved. I called customer service after received the credit card to confirm the offer and the customer service indicated that I will receive the promotion after spend {$4000.00}. On XX/XX/XXXX, I called the customer service to ask for my bonus miles because I spend over {$4000.00}. The gentlemen customer service said the XXXX bonus miles will show in the XXXX statement. The XXXX credit card statement came without the bonus miles so I called the customers service on XX/XX/XXXX and spoke to another gentlemen and this time he said because I have the citi business card back in XXXX and they can not give me another promotion. I explain that I received the promotion offer and I would like to speak to the supervisor. I did explain ( again ) to supervisor the issue and demand for XXXX miles bonus in the agreement. She said that she can only offer me XXXX bonus mile and {$100.00} in the statement. I didn't agree with the offer and would like to speak to the consumer care manager in the USA, she did transfer me to another supervisor name XXXX who locate in Florida. This lady name XXXX is so unprofessional and rude, she told me that I should read the footprint ( very small ) in the application before apply for the credit card. She also said I should contact the AAdvantage program to complain about this issue. On XX/XX/XXXX, I called AAdvantage, the customer service said they have nothing to do with this issue and I should call the Citi bank credit card. I call Citi bank credit card back and this time I accept the offer of XXXX miles and {$100.00} to approved of the wrong doing from this company. Another reason I accept this offer because anytime I called someone will tell me different story. I disagree with the Citi bank credit card settlement and believed that I am a victim of scam from this company. I strongly demand for the fully of XXXX bonus miles in the agreement that the Citi credit card promised to offer in the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Citi acc # XXXX Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 ; It also States a consumer can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer Report ' does not include-any report containing any information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My older brother passed away on XX/XX/XXXX. I got around to closing his Citi Dividend Card in XXXX of XXXX. I closed the card using the phone number on the card. The Citi representative said I would have to send a copy of the death certificate and a letter asking them to send me the Dividend Dollars ( {$31.00} ) left on the closed account. She gave me a XXXX XXXX address to do so. A few weeks after sending the information off to Citi, I received a letter stating that they were unable to process a redemption of the {$31.00} because it was less than XXXX dollars and was below the minimum amount required to redeem the dividend dollars. I was incensed and called their number on the letter. They refused to budge. I am thus register a complaint against them for being unreasonable and callous to my brother who passed on XXXX day of XXXX. If you could help me with this, I would be grateful for your doing so. XXXX XXXX ... ... ... ... XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I applied for the card and was accepted. I had to use it for dental appointments. I was NEVER late and always paid more than the amount. Recently with no warning they increased the amount and now the interest is almost as much as the payment!! I asked why they raised it. Their response was because I had too many credit cards. First of all that is none of their business. I pay all my bills on time and usually more than what the payment is. This is just a way to get more money that I do not have. I have already decided to cut their card up. I find this type of business to be very unreasonable. How am I to pay them off if I can't afford the payment. No wonder people are filing bankruptcy. Citi would rather lose customers than gain them!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: Hello, On XX/XX/XXXX I was charged {$9200.00} for a fence project by a local company. We agreed this money would be paid as a deposit, and the rest would be paid upon project completion. Months passed and I heard nothing back from the contractor. We have made multiple attempts to contact the contractor. XX/XX/XXXX I filed a dispute with Citi to inform them that I paid for a fence install and it was never started or completed.After providing supporting documents and evidence, Citi has ruled on XX/XX/XXXX that I am responsible. I have not received what I paid for. I have no fence and I am out {$9200.00}. Citi is refusing to take any accountability to protect me although evidence shows the contractor has gone MIA and isnt installing the fence I paid for. I have not received the service but they are expecting me to pay. Citi needs to fix this. They made me wait over a MONTH for a resolution, and arent giving me any good reasons as to why this wasnt resolved in my favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: Citi Bank does not want to credit me for a flight that I booked with an airline that went out of business and I have never received their service. I received a credit for the one flight, inbound but not for the outbound. They come up after weeks and weeks of " investigations '' with standard computerize answers and even though my attorney ( see attachment XXXX and XXXX ) sent two formal letters they do not care and say, its too late now ( XXXX XXXX XXXX ). We started a dispute right after the incidence happened and now they come up with this. Why they credit me for the inbound flight but not for the outbound? Nobody really takes a look into this from Citi Bank. Btw : Citi Bank is the worst service ever. Choose another bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A