Date Received: 2023-05-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: i got a little behind in bills and at the same time had to change bank accounts, so i had some returned payments and got behind a few months, but my usage and my constant payments prior even when payments were due should have counted for something, I have a XXXX and a amex and they both kept my account open during my financial woes, this company kicked me while i was down. I sent a letter asking for re-opening and they have yet to respond to my request for reopening. because they gave me no response i have decied to stop paying but i have now set up a payment plan with them to pay XXXX bucks a month but if they could have promised to re-open my account i have paid all the past due and keep paying as scheduled but they failed to even respond to my request, nor did they give a good reason for closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: We were issued a Citi credit card ( XXXX XXXX ), which we had for almost a year. Then in XXXX of XXXX, we tried to use the credit and couldn't. So we contacted Citi and was informed that they had closed our account and that they could not give the reasons over the phone. Citi informed us that we need to request the reason for the account closure via a written letter and then send it to the address that was given to us ; which we did. After a week or so, we receive a response letter from Citi which indicated the reason for the account being closed. Citi stated in the response letter that our account was closed due my spouse 's prior conviction in XXXX. Since then my spouse has been a model citizen!! My spouse has had steady employment, obtained a mortgage, purchased a home, a vehicle and so forth. In the meantime, we owed about {$6500.00} on the card. We continued to make payments and Citi refused to reimburse our rebates that we acquired from our purchases. We then contacted a lawyer and he advised us to file a complaint with Consumer Finance. We had the Citi credit for almost a year and has been using it and making regular payments before the closure. Citi even praised us for our outstanding credit history payments and increased our limit. So, to just closed our account with no warnings and no notice, is unwarranted. As a result, we had to jumped through hoops to find out the reason for the closure. Citi should have done their due diligence and all the necessary background checks before issuing us the credit card. This is unethical and unprofessional on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Getting the loan
Subissue:
Consumer Complaint: Just over one month ago ( around XX/XX/2023 ) I went to my local Citibank branch to inquire about obtaining a Debt Consolidation Loan. I had an existing DCL from Citibank acquired approximately two years earlier with just over {$10000.00} remaining. The loan officer submitted my data. Citibank underwriters came back with an offer of {$30000.00} ( note : in the total of my debts submitted were an existing car loan which Citibank does not do car loans, and two Citibank credit cards which Citibank would not cover their own credit card debts, but they seemed to here ). I declined the offer over concerns I would be unable to make the monthly payments. I asked if they could offer a smaller loan. Citibank 's reply was they could offer {$24000.00}, but no less. I accepted the offer. When the paperwork arrived I was listed to receive one check for {$4500.00}, and another check was to be made out to XXXX for {$9100.00} XXXX XXXXXXXX XXXX, a credit union handling my car loan ). This was not acceptable for me. I went back to the same Citibank and same loan officer. I showed her the paperwork, and explained this was not acceptable for me. She called the Citibank underwriters and we were assured over the phone three times that the loan money was to be made out in my name, not in part to XXXX. So, I signed the paperwork in the presence of the Citibank loan officer, and submitted the paperwork through the provided UPS envelope. Within a couple of days I received additional paperwork, and two checks, one made out to me and the other to XXXX as I had been assured it would not be. Repeated attempts on my part and that of the loan officer to get the {$9100.00} check to XXXX cancelled and issued to my name have failed. I informed Citibank numerous times I no longer wanted the loan. I have not cashed or deposited the check for {$4500.00} made out in my name, nor have I sent the check for {$9100.00} to XXXX. Today is XX/XX/2023. Today both checks are now 30 days old. On the checks it states " VOID AFTER 30 DAYS ''. Toward the beginning of this process, I was informed by Citibank underwriters that if I allow the checks to void the loan will be cancelled, and revert back to the previous {$10000.00} Citibank loan. No one at Citibank will now confirm this {$24000.00} loan will be cancelled. No one at Citibank will help me resolve this. I do not want this loan. I can't understand why Citibank would do this to a long to customer unless it is because they want the {$12000.00} finance charge no matter how much they are hurting me. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I filled a complaint ( id : XXXX ) against Citibank with the CFPB stating the following : " My Citibank account has not been accessible for the last six weeks. I have attempted to resolve the issue with Citi directly, calling their internal number ( XXXX ) XXXX ( Option XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each call I was assured that access to my account would be restored within 48 hours but access to my account has yet to be restored. Furthermore, since my account statements are associated with my savings account, I am unable to view any digital records pertaining to the account. The existence of the account has even been removed from the digital dashboard. I still am in possession of the ATM card, deposits made into the account from external checking accounts, and account creation emails. '' Citibank responded to my complaint with a letter stating that access to my account had been restored after being restricted. Despite Citibank 's claims ( CitibankResponse.png ), I still do not have access to my account. I can not access my account in their web dashboard, nor can I access account statements. As you can see in XXXX ( see attached ) my savings account still is not visible through my Citibank dashboard ( although my credit card still appears ). Furthermore, when I navigate to Explore Products->Savings in the dashboard, Citibank 's system does not detect that I already have a savings account, and instead displays an offer to open a new savings account ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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: On XX/XX/2023 at XXXX XXXX, I contacted the Macy 's Credit Card Customer Service to ( 1 ) address a late charge that was charged on an account I continue to pay off in full and ( 2 ) to dispute a charge that was made on XX/XX/2023 for a transaction amount of {$47.00}. I did not authorize this transaction and the order did not align with my purchase history on my Macy 's account. I requested additional information about that particular charge and the representative could not explain who it was that made that charge or where the items were shipped to. The only information I was able to get was that it was an online purchase so I knew my account number had been compromised. The late charge was reversed and the dispute was filed. I was told that the compromised account would be closed and a new card would be issued. I received a letter that I would not be liable for the charge until the investigation was completed. However, that {$47.00} is reflected as the balance on the old account and was also transferred over to the new account. Additionally, I made a payment of {$210.00} which was the total balance at the time and the payment posted on XX/XX/XXXX. However, on XX/XX/XXXX that same amount was transferred on to the new account as a balance transfer. This is unfair, abusive and deceptive to double charge an amount that was already paid off the prior month. I called back on XX/XX/XXXX at XXXX XXXX and spoke to multiple representatives for a total of 1 hour and 43 minutes. The representative explained to me that the {$47.00} was reflected on my total balance even though the account activity shows as if it was credited. The math that was explained to me does not add up and I expect a clear, thorough, and accurate explanation as to how my current balance totals up to {$270.00}. Additional purchases/charges made on the account does not add up to that total. I am questioning Macy 's credit card accounting practices -- it is not credible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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, my Citi Bank credit card ending in XXXX was used in multiple stores, while I was in my home with the credit card in my possession. The purchases add up to about {$500.00}, and the stores/purchases are as follow : XXXX, XXXX : {$200.00} XXXXXXXX XXXX XXXXXXXX : {$70.00} XXXX, XXXX : {$63.00} XXXX : {$200.00} I have been trying to dispute this charge since XX/XX/2023 with Citi Bank. I have sent evidence to Citi Bank, such as pictures of myself at my home during the time of the purchases, with a time stamp of XXXX. I have sent also sent my work time card with clock my in time of XXXX. I have also filed a police report with the case number of XXXX. Further, it should be noted that my spending pattern on that credit card does not mirror that of these purchases, as this card has been used minimally. I have worked hard to pay off this credit card and I really need help in fighting this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account was closed after I tried sending money to an account in XXXX as a payment plan for an apartment I was buying there. They say they will release the funds after they get information, I mention that I am dual citizenship and my english name is legally XXXX XXXX as I was transferring from my XXXX account under name XXXX XXXX. I don't know whether its because of discrimination or another reason but as soon as they heard this they put my funds on hold. After two months of desperately trying to contact them and supplying all necessary documentation including passports, legal name change in the XXXX signed off by a judge, copies of the XXXX nationality act showing my name change and a legal name change document. They finally signed off on releasing me my funds on XX/XX/2023. I spoke with my case manager XXXX who told me I could go pick up a cashiers cheque from the nearest branch as I came to America specifically to pick up the cheque. He told me it would be released to branch XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was told by my case analyst that the funds would be available by Tuesday at this branch, It is Thursday right now and I am leaving tomorrow and they can not give me my funds. My property developer foreclosed on my apartment because I couldn't pay because Citibank had my life savings so I LOST {$72000.00}. I drove 2 hours here and they are now saying they have received nothing and they don't know where my money is. I spent {$3000.00} on this trip to America simply to get my money, not to mention all the immense stress I have been put under. They also said today in branch something along the lines of 'the funds should've been sent back on XX/XX/XXXX when you issued the recall, because the Citibank ERU said they signed off on a recall, I don't know whether this was a lie or a mess up on their side because my bank confirmed they received NO response ( attached message from my XXXX bank when I tried recalling the funds ) I have filed three complaints and now I am going to have to buy another flight back to America just to get this money, this is incredibly stressful and on top of it all I have a XXXX tax bill which I can not pay so I am getting fined because Citibank has effectively just told me and i quote 'we don't know where your money is '. I need that money, please help. This has been a major stress on me for 3 months now as that was y life savings and my future and because of Citibanks incompetence I have lost everything and I have been lied and lied to and it is all on recorded lines as well. At this point I just need my money in the account which is around {$25000.00} wired to my account in the XXXX or a cashiers cheque in the US or them to recall it to my sending bank also in the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94549
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have XXXX cards with Citi and have been with them since XXXX. Over the last year they keep decreasing my credit limits even though I havent been late, havent maxed out my credit limit and usually pay more than the minimum. With them doing that it has drastically lowered my credit score and makes it look like I am over obligated. They havent given me a good answer why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank is not properly posting transactions and processing deposits. As you can see from the photograph evidence they post transactions as available on the banking ledger before they are actually available, which is false and fraudulent. On several occasions they posted deposited funds as available on the ledger and show transactions being withdraws from the deposits then return the funds for insufficient. At the same time they hold the deposited funds for an excessive period of time on the online account without a date of when funds will be available. This repeatedly happens over and over where deposited funds show available on the ledger. If they are not available then why show they are available on the ledger? If the deposits are still being processed then why not give a date when they will be available for withdrawal and use? This is fraudulent and illegal banking practices. You misrepresenting deposited funds. The funds are not available then they should not show as available on the ledger. On XX/XX/2023 a {$190.00} deposit shows posted on the banking ledger ( see attached evidence ). On XX/XX/2023 the funds show post on the banking ledger ( see attached evidence ). If these funds are posted, with no indication that they are being held or the true date of availability, then by law they are available for use and for transactions coming in. If they are not available for use then Citibank is FALSELY, FRAUDULENTLY, and DECEIVING CUSTOMERS by doing this. For months Citibank banking practices and posting behaviors have made it increasingly complicated to pay my business loans. They are incurring purposely doing this to collect funds from other banking instructions which are passed onto me for fees. Further, this type of posting is very deceptive for someone such as myself on the XXXX spectrum. This not truthful and a lie. It confusing customers, and I know I am not the only one. Citibank needs to clean up their act, and ensure that they are truthful and transparent when posting transactions, transparent on when the funds are available, and transparent to customers on how they handle deposited funds. I have submitted the ledger shown on my online banking which backs my claim. I guarantee this is a lawsuit waiting to happen as someone will legally pursue such behaviors on a class action. Ive seen banks practice such behaviors before and the results were they lose their lawsuit and payout. On top of that Citibank makes it increasingly hard to get customer support. They highly emphasize using the automated system, and when you request to speak to a person to talk about your checking account they forward your calls to XXXX speaking customer service. The customer service agents have a terrible VOIP connection where you cant understand them and the calls are botched.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A