Date Received: 2023-06-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citibank savings account on XX/XX/23 and deposited {$51000.00}. Per the email after you deposit {$50000.00} you will get a {$450.00} bonus if you maintain that balance for 60 days. I currently have {$71000.00} in this account that I opened on XX/XX/23. It's going on 5 months and citibank still has not paid the {$450.00} bonus. I've made 3 phone calls to citibank regarding this and they tell me I opened it in the wrong savings account. I opened the account through the email I was sent which offered this bonus and I still have the original email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Citibank Closed my checking account ending in XXXX. I was told I would have the balance in the checking account sent to me via mail in a check within 60 days of the account closure. This was 60 days ago. I have still not received the check. I have contact Citibank by phone, email, and in-branch. No resolution or check provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
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: On XX/XX/2023 XXXX fraudulent purchases were made to my citi double cash mastercard. I received text messages and emails for citi card about the purchases on XX/XX/2023 asking if i made the purchases and I replied NO. I called citi card and reported the fraudulent charges. The purchases were made at XXXX XXXX XXXX XXXX in California. I live in North Carolina and do not know anyone in California and have not visited that state in 20 years. The charges were reversed but then reinstated a couple of months later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28787
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an offer for {$10.00} off {$100.00} on XXXX to be used in XXXX. I made the purchase on XXXX in the amount of {$110.00}. However, the {$10.00} credit has failed to post and Citi has not rectified it.
Company Response:
State: NY
Zip: 117XX
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have received several inquiries from banks such as XXXX XXXX and XXXX XXXX that I have not made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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 have evidence to support my dispute and the credit card company refuses to supply me their mailing address so they can reconsider my disputed charges. This is a viloation of my due process rights to obtain a fair resolution. This credit card company is also using an automated dispute filter which is flawed and I urge the CFPB to investigate their use of automation to handle dispute resolutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Based on misrepresentation by in-store credit card huxtor, I applied for a Costco credit card issued by Citibank. After learning the terms of the credit card were significantly different than those represented by the in-store huxtor, I called to cancel the card, at which time I paid the balance Citibank said was the full balance, which was the only charge _ the Costco membership they automatically applied to the card. Several months After the fact, I got a call demanding a late payment of slightly less than XXXX be paid. They said on the phone that it was a late payment charge. I never even received the card, much less used it. When I asked her, she said when I canceled and paid off the card that the payment was late ( had never yet received a bill ), and I paid what they said was in full. Now they wanted to bill me for a late fee on a canceled card and threatened my credit if I didn't. I don't believe I owe this money but paid it when my almost perfect credit I worked so hard to build was at stake for less than XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40207
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was notified via text and email on XX/XX/XXXX that my Citibank Credit card was used for fraudulent purchases. Upon being notified I called Citi, confirmed the charges showing to be fraudulent, and had that credit card closed. From there, the charges showed to be in dispute status, and cleared through the Citi app a few days later as taken off my credit card statement. A week later my new credit card arrived and life moved on. In mid XXXX, I received a VM from what sounded like spam saying I needed to confirm the charges again to be fraudulent. As I did not recognize the number and was suspicious of the call, I thought the best course of action was to call my credit card company directly using the number on the back of my card. When I connected with a customer service rep and asked what further was needed, they responded that everything looked good for the case, and no further action was needed on my part. Early this month, one of the fraudulent charges showed back up on my credit card for the amount of {$1700.00}. XXXX was listed as reverse charge from XXXX 's in North Carolina. I called Citi on XX/XX/XXXX to ask why this was reissued. They stated at the time that the merchant ( XXXX 's ) has disputed the fraudulent claim so they had to reissue the bill. They asked me further questions regarding this charge, of which I confirmed it was not me or my wife 's doing. They said it would be resolved within 48 hours. On XX/XX/XXXX I called again to Citi, as the charge is still showing on my account. I spoke to supervisor XXXX XXXX and asked why this had not been resolved. She said when they have a merchant fight a disputed charge, the charge can be reissued and she can not remove it until a 3rd party company confirms it was fraudulent. She admitted on the call that this looks pretty cut and dry, and said she would email her team to have the charge credited. As of this morning, XX/XX/XXXX, it still shows on my credit card. In Citi 's report initially, it show someone used my wifes name and our credit card to order sprinkler equipment online from XXXX 's. It looks to then have been picked up at a location in Florida. The customer name on the order is not ours, with a different email and phone number used. The report says that XXXX 's checked ID but did not capture signature. If they checked ID, there is no way they could have confirmed being my wife or I. Attached is a copy of this report. On page XXXX its pretty clear the customer is not me. XXXX XXXX at Citi gave me her email as XXXX. She said to put in the subject line her name so she gets the email. I need help getting this removed from my credit card, as my statement comes due on XX/XX/XXXX, and I don't want this fraudulent charge a part of it with subsequent interest attached if I don't pay. Your prompt response to this matter is greatly appreciated. XXXX XXXX - Citi Double Cash Card Owner
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15010
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have contacted by phone on multiple times the customer services department of : Shop Your Way General Inquiries XXXX XXXX XXXX XXXX XXXX, SD XXXX Payment Addresses Shop Your Way Credit Card Payments XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, PA XXXX Shop Your Way Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX Contacted : XXXX 24/7 /Technical Assistance XXXX and the Rewards Center XXXX. When you call this number for your redeemed points concerns, you can not speak directly to a customer service representative on the issue. Only a voice recorded system that you can get basic info. The recording gives you general information and tells you to use online website to address your concerns in which I did contact the online services on why my points were removed with no resolution for my concern. Customer Services main direct number tries to place you over to the Reward Services number knowing that you can not speak to a representative once you are placed in this phone system loop. I had communicated this to main customer service representatives several times that the rewards points customer service phone number does not have anyone that you can speak to directly and the system places you in a loop of useless information that is not useful to address concerns of the point rewards. As of XX/XX/, it is indicated in the attached credit card statement my XXXX Total Reward Points. I had brought this to the attention of the Customer Service Representative. On XX/XX/XXXX I used only XXXX points that should have left me a balance of XXXX reward points. However, the system XXXX out my account leaving me only XXXX points reward balance. I had immediately called customer service to have them to explain to me the reasons why the system had removed all of my points to a XXXX reward points balance as indicated in the below attachment currently from their website statement. I have attempted several times afterwards to resolve and spoke to Customer Services Supervisors on several occasions to correct. The responses I have received was that they would fix this issue. To date, I have not received any resolution to resolve my issues for current reward points that still should be accumulating new points. The first line representative and their supervisors will not escalate my concerns to upper management the several I have contacted the office to resolve my concerns. I have sent intercompany emails as included in the attachment below also of the unresolved issues and the removal of all of my reward points. This is fraudulent advertisements and misrepresentation of the consumers product that is being advertised by the credit card provider.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: When i opened my Macy 's XXXX in XXXX of 2022 for special interests rate. When i got my first bill which was early XXXX and was due on the XXXX of every month I tried to register my card online. On doing so I couldn't register my CC where i called MACY 's XXXX and got no help, they said to order another card. I made them aware that my payment is due where I shouldn't have to order a new card for this issue that there was a problem with their website. I got no where with them letting them know i couldn't make a payment. This went on for another 2 months with the same issue also they failed to document their system that i called about this issue. So in XXXX I called and spoke to a manager to get the late and interest fees taken off where they wouldn't do it because i haven't make a payment. I explained to the manager my issue and told i called several times explaining my issue but to no avail he wouldn't help me. I was able to finally add my CC to their website and was able to make a payment. On top of that being called several time a month by their CS harassing me about a payment where i told person my situation and they were no help. I keep getting harassing phone calls and i was making payment but just enough to where i was only going to paying what i owe which was {$200.00}. I then call their CS again at the begging of this month to get help which i didn't get explaining to them i was only going to pay what I owe and that i wasn't going to pay any interest or late fees. So as of today Macy 's is still harassing me with hitting my credit score where i was over 750 and with this XXXX i'm getting from them my score has dropped well over 100 points for them no helping me. They keep damaging my credit score constantly which i call harassment. To this date I have paid my {$200.00} bill from XXXX but their still wanting me to pay interest and late fees where I WILL NOT pay those due to their no CS plus be harassed. PLEASE HELP, stop them from hitting my credit and remove them from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A