Date Received: 2023-05-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Citibank XXXX XXXX XXXX XXXX. On XX/XX/2023, I made a {$13000.00} payment to the balance of the card. On XX/XX/2023, a regularly scheduled payment of {$990.00} was made. BOTH payments cleared my bank the day following each individual payment. On XX/XX/2023, I received a statement stating I had a balance and AVAILABLE credit of {$15000.00}. Today, XX/XX/2023, I attempted to use my card for a {$290.00} purchase. This is purchase obviously well below my available balance. The card was declined. As a result, I called Citi and was given bogus, vague excuses. I was told by two Citi employees that sometimes they just choose to put a hold on a payment. Criteria varies. I was told the payment may have been too big or that I made more than one payment. Yes, i did both. So, to be clear the reason for a hold on my card was my payment was too big and I made two of them in the same month?? Was I paying too much too fast? The second rep said she can call the bank where I keep my checking acct bank to see if the two-week-old payments had cleared my bank, but since it's after XXXX she will have to call tomorrow. One challenge, I want access to the available credit balance today! This is insanity. I was never notified in any way, shape or form that Citi would place a hold on a payment. This defies all logic. Citi has had the money I paid them timely before my due date with plenty of opportunity to verify the cleared payments and for me to receive an email statement for XXXX month reflecting said payments. What's pathetic is Citi knows they received the funds. They acknowledge such in the statement. Shutting down a card is what should happen when a customer does not pay their bills on time and does not make payments larger than the minimum requirement. A bonus for the whole endeavor I had to ask the first rep to quit eating his salad while talking on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76114
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a XXXX XXXX credit card for XXXX XXXX purchases. I usually order online and pick up at the store. On one occassion I made a purchase in the store where they know me and was told, " You're still using this card? We now have a credit card you can use for out of store purchases. '' So I applied in the store and they said I would receive the card in the mail. I realized later that I keep a freeze on my account and that they would not be able to access my credit so I lifted the freeze and called XXXX XXXX XXXX credit company who told me that they would have to cancel the card I had before I could even apply for the new card that was a visa card. That concerned me and I asked, " what if I don't get the new card? Then I won't have credit with XXXX XXXX and I need it for pet supplies. '' The guy said that I would probably get the new card. I told him never mind. What I realize now is that he had already done an inquiry on my credit without my authorization and now I don't have the new card but there is a inquiry from XXXX XXXX on with the credit bureaus that I did not authorize. I would like their inquiry removed. I am attaching a copy of their inquiry on my credit report and a letter they sent me stating they could not give me the new card because I can't have two cards with them.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi opened this account on XX/XX/2023, since then im still waiting for the debit card. Never arrived. So I need to request a new debit card sent to my mailing address on file which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A stranger made fraudulent purchases of approximately {$2500.00} on one of my XXXX XXXX credit cards issued by Citibank. The perpetrator has been found, and charged with felony credit card fraud : However, Citibank has refused to reimburse the card. This has been extremely stressful over the past couple of months. The credit card issuer credited my account after filing the dispute : However, the {$2500.00} in charges just appeared again on my credit card statement, and I subsequently received an e-letter stating that the investigation is complete, and I am now responsible for all of the charges -- No explanation. Moreover, they further stated in the letter that if I failed to make payments on the fraudulent chargers, they would report it to the credit bureaus. This is particularly disturbing as I currently have a credit score of XXXX ( Exceptional ) -- Based on a perfect payment history. Consequently, I have no choice but to continue to pay on the fraudulent charges. The investigative department of the credit card issuer has been very deceitful. Currently, I am weighing my legal options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I would like to file a formal complaint against CITI BANK for closing XXXX of my credit cards out of the blue for no apparent reason. I suspect the reason being because I filed a previous CFPB complaint regarding a purchase dispute forcing them to re-open a case they had already closed. The previous CFPB complaint # is XXXX, I will be attaching the report to the complaint. The reason I suspect my reasoning being it was due to my previous complaint against them is because I filed the complaint with CFPB on XX/XX/2023 and CITI had no choice but to re-open my purchase dispute and lead to issuing me a permanent credit on XX/XX/2023. 11 days later both my CITI CREDIT CARDS was mysteriously closed and representatives at CITI CUSTOMER SERVICE are unable to tell me why they were closed and nobody is willing to give me answers or help me re-open my account that were in good standings. I had no late payments, no non-payments nor balances carrying over month to month. If CFPB can be step in would be greatly appreciated. I'm being punished for making a complaint and forcing CITI to relook over my previous purchase dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Does reported are incorrect, dates the credit card was opened and closed incorrect and balance incorrect. as well as status of the credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a customer for Citi bank and I transfer some money into my XXXX XXXX The next day I wake up tried to used my Citi bank card it says it declined I spend the whole day calling them to verify my account they keep telling me they cant verify it I went to the bank in person they told me they cant do that inside the branch I have to called When I keep on calling them they keep telling me they will send me a code which I never receive its been 5 months since they blocked my account with my money in it and whenever I called they said they cant verify my account this is not fair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: CitiCard on XX/XX/2023, reported to all three agencies that an account had a balance and was delinquent. That card was settled with a debt consolidation company a year ago. CitiCard just reported this false information this month. I have reached out to CitiCard, the three credit reporting companies and XXXX XXXX. CitiCard said the balance was XXXX and sent me a letter. The three credit reporting companies and XXXX XXXX said the information was correct and would not change it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank arbitrarily and without justification locked my account and will not allow withdrawals or the ability to close my account. On XX/XX/XXXX they stated that they needed to mail me a security code and it would take 7 business days. Two weeks later it has not arrived to my address of record and they will not release my money or close my account. On numerous occasions by phone I have passed all their security checks and they will not tell my why my account is locked. Today, they said that they are mailing a new security code, but I have no confidence it will arrive. {$18000.00} is locked in their bank and I can not access my money for living expenses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a Best Buy Credit Services card from the creditor Citibank. Best Buy arbitrarily closed my account without asking my consent, and without giving a chance to remedy, on the basis of my race and gender identity after initially requesting a credit increase. As soon as I reached out to Best Buy they cancelled everything having to do with my account and even blocked me from making purchases online while logged in ( requiring me to open a new account ). All purchases were instantly denied regardless of payment method used even though there had never been any issues prior. After the account closure I went to XXXX XXXX XXXX and enrolled my best buy account into XXXX XXXX managed payment services which negotiated a lower interest rate and makes all payments for me. They have never missed a payment and best buy has been paid consistently. In spite of this, they continue to report every month as more progressively late now showing 90 day late even though they have been paid promptly. Attempts to resolve this have been met with profanity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A