Date Received: 2023-05-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I open a Citi XXXX Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus ( The expected bonus is {$200.00} ). The ACH transfer is success from my XXXX XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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, I used my Citibank credit card to rent a truck from XXXX in the amount of {$2300.00}. XXXX contacted me a couple of days later to inform me that my card had been declined multiple times due to an authorization issue ; therefore, I decided to use my debit card to make the purchase instead. I later learned Citibank closed my account prior to me attempting to make this charge with XXXX, I just wasn't aware of it at the time ; but it reflects on my XX/XX/XXXX monthly statement so naturally I thought nothing about the charge that never went through since the account was already closed. On XX/XX/XXXX, two months after my account had already been closed ; I received an email from Citibank informing me that they authorized the purchase with XXXX for the amount of {$2300.00}. I then call Citibank immediately and told them I paid that amount using my debit card because it had been declined by them so many times. Again, not knowing at the time I tried to use the card, that my account had already been closed, which is probably why the transaction kept being declined. I then proceeded to forward my bank statement to them to show proof that I used my debit card to pay XXXX. They acknowledged it and told me the charge would be taken off my account. Since XX/XX/XXXX, Citibank has been telling me that the charges would be reversed, and will reflect on the following months statement, and each month it isn't being resolved. When I receive my statement each month, that amount I'm disputing is still reflected on my account. I've been transferred from person to person for 3 months, with no resolution. I even called to find out what my true balance was so I could make my balance XXXX and be done with this. I was told to just subtract {$2300.00} from the current balance, and that's what I owe them ; not taking into account that I'm being charged interest on money I never used. They keep giving me the run around and keep telling me they can't give me more information about my account because it's now closed. I then filed a complaint with CFPB, Citibank responded by stating that I need to seek credit from the merchant instead of them ( Document included ). I received my new statement on XXXX XX/XX/XXXX and the amount is still on my account. Prior to receiving this statement, I spoke to a dispute specialist, who then transferred me to another department and provided me with a direct number to that department. At that time, he said, they can't do anything with my account at that level it needed to be handle by someone higher than that department. When I called Citibank ( XXXX XXXX ), I called the direct number given to me a week ago, since the specialist told me this was the department who has the authorization to resolve this issue. This person ( the person I spoke to with the elevated status ) told me the correction will be on my XXXX 's statement. When it wasn't, I called the direct number again ( XXXX XXXX ), I was once again transferred back to the dispute specialist, this is the same sector that from what they told me, could not fix this at that level and my case had to be elevated. Now I'm at the point where the two sectors keep taking my back and forth between the two, with nothing being resolved. I had paid for a service twice, Citibank is aware, yet refuses to correct the mistake. Citibank has admitted to me a number of times that the balance is incorrect, but no one seems to be able or willing to right the wrong. Now Citibank is claiming it was an authorized charge, yes it was authorized when I thought I had a valid credit card account and thought the charge would be paid then. But to authorize a charge 2 months later on a closed account after I've provided proof that I used my personal account to pay XXXX is unethical. I would like for them to deduct the {$2300.00} plus any fees and interest charged due to this from my balance, so I can zero out my account and forever be done with Citibank. I feel Citibank refuses to delete the charge because they are more interested in me having to pay interest fees, rather than doing what's right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
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: Transaction on XX/XX/XXXX in the amount of {$7300.00}. Priceline confirmed that this charge was reversed on their side, but Citi will not credit the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a purchase XXXX {$2600.00} with a promotion of no interest for 24 months. As of XX/XX/XXXX the balance was {$2200.00}. I was under the impression that if I made two separate payments during the same month that one would go towards the revolving balance and the other towards the promotional balance as their recordings states and the CC terms and agreement. That was incorrect. None of the payments I made towards the promotional balance were credited to the promotional balance they were all credited to the revolving balance. I did not reach out since I thought that they would allocate the payments correctly. I was wrong again. I called on XX/XX/XXXX and told them about the issue and to send 1 year worth of statements. I received the statements and you can clearly see that every month for the past 12 months 2 payments were maid ( see attached ). On XX/XX/XXXX I called again so they can allocate the payments correctly and they said that they can not do that since I needed to call every month and tell them specifically that one payment was going towards the promotional balance. Who has time to call every month and do this? I have a CC with XXXX XXXX and its by Citibank and they never had a problem allocating my payments. If is the same mother company why does Best Buy treat it differently? Is like they set you up so you can pay all this ridiculous interest they offered to waive by the promotion. The representative ( Manager ) said that she could only allocate one of the XX/XX/XXXX payments which is ridiculous given the fact that I made 10 payments XXXX {$100.00} from XX/XX/XXXX to XX/XX/XXXX, {$600.00} on XX/XX/XXXX which should have gone towards the promotional balance of {$2200.00} and payoff of {$650.00} in oppose to {$1600.00} to not pay interest. If I did not pay that amount of {$1600.00} on XX/XX/XXXX the accrued interest that was going to be applied to my account was {$1600.00}. Double of what I owed. So I decided to pay the promotional balance of {$1600.00} as XX/XX/XXXX to avoid any further interest assessed. But Best Buy CC with Citibank are liars and they offer you a promotion so that later you can pay all the accrued interest. They do deceptive lending so people can fall into their tricks and then have to pa all the fees and interest they once promised you to waive in a promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: CITI Bank is holding my money on no grounds! They stated that my account is closed but then took my work check and will not release my funds. CITI BANK doesnt have a branch anywhere in the USA and no one can understand me. Please can someone help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a Citi Best Buy Credit Card that allows me to pay off any purchases {$490.00} and above within 6months without incurring any interest charges which they call it as promotional balances. Our regular day to day purchases below {$490.00} comes under non-promotional balances and needs to be paid before the due date to avoid interest charges. I had {$3800.00} in promotional balances and around {$1200.00} in non-promotional balances. I made a payment for {$1300.00} to pay off the {$1200.00} non-promotional balance but Citi Best Buy Credit Card moved that {$1300.00} payment to pay off my promotional balance of around {$3800.00}. Because of i am still left with that {$1200.00} non-promotional balance to be paid off or else i will incur interest charges. I still have around 2 months to pay off a part of that {$3800.00} amount which the Citi Best Buy credit card customer support mentioned is expiring in 2 months. The remaining promotional balance from {$3800.00} is expiring in later months so clearly i have some time to pay off the promotional balances. Although because they moved my {$1300.00} to promotional balances i may incur interest charges on my non-promotional balance that i expected to pay off from the {$1300.00} payment. Citi BestBuy CC intentionally wants me to pay off the promotional balance first that is expiring in 2 months and then payoff the non-promotional so that i can be wrongly charges interest on the non-promotional balance which is definitely against their offer of paying promotional balances within 6months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm in enrolled in a debt consolidation program with XXXX XXXX XXXX and 4 of my accounts were paid off under the agreement and the creditors are still reporting negatively. When I enrolled into the program it was suppose to help build my credit but it has affected me tremendously. I've disputed the results and nothing has change. What help is the program if it's not helping. I need help. These are the settlements that were negotiated, The accounts are XXXX XXXX {$4700.00}, HOME DEPOT {$1300.00}, XXXX XXXXXXXX XXXX {$1200.00}, and XXXX {$2400.00}. I can provide more documents if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment of {$29.00} to my Citibank credit card on XX/XX/23 from my bank account. Checked my bank account and there was over {$300.00} in my account. There was no pending charge on my bank account and no return check fee on my Citibank account either. XX/XX/23 I made another payment of {$75.00} and it posted XX/XX/23. there was approximately {$85.00} plus available on my Citibank account. I had a pre-authorized bill pay process on XX/XX/23, XXXX XXXX purchase on XX/XX/23. If there was a returned check in the past, Citibank has locked my card/available balance until the initial payment has cleared in the past. On XX/XX/23 there is now a posted {$41.00} return check fee for the {$29.00} payment from XX/XX/23. I called customer service and they stated that my bank returned the payment that's why they charged the return check fee. My bank statement shows the funds were there from XX/XX/23 through XX/XX/23 and I checked my account daily since XX/XX/23 and never saw a pending payment from Citibank. The representative was rude and combative and could not provide proof that my bank returned the payment. I called my bank and there is no record of the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: One of my Citi divident card XXXX has a quarterly 4 % cashback bonus offer for XXXX when I spend on XXXX. I activated this offer, and spent {$5900.00} in XX/XX/2023. But XXXX of the transaction of {$1000.00} on XX/XX/XXXX did not give me that 4 % promised bonus. I spent hours contacting Citi and in first week of XXXX and they said they would research why the bonus was not issued. But today I received a letter saying this transaction does not qualify. The letter did not state the reason. And all my other transactions in the same month ( the rest of {$4900.00} spending on XXXX ) all qualified for the bonus. I don't understand why this single transaction did not. I felt Citi is not doing the right thing, just cheat the customer to use their low-reward card and deny based on no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: CBNA, I am writing to express my disappointment and frustration regarding the recent late payment on my account. As a customer who has always been diligent in making timely payments, I was shocked to learn that I had missed a payment deadline and had incurred a late fee. I want to bring to your attention that I DID NOT receive any notification from your company regarding the late payment, despite the fact that I have always provided you with my updated contact information. In the emails sent regarding a payment, there is NOTHING stating that my payment is OVERDUE. It only shows WHEN the amount is due. It is my belief that as a responsible creditor, it is your obligation to notify customers of any late payments and give them an opportunity to remedy the situation before it negatively affects their credit score. As a result of this oversight, I would like to request that you remove the late payment from my credit report. I am confident that this will not only restore my credit score, but also demonstrate your commitment to customer service and fair credit reporting. In addition, I will be providing you with my updated contact information, including my current phone number and email address, to avoid any similar issues in the future. I hope that you will confirm these details have been updated in your records. I hope that you will take my concerns seriously and take the necessary steps to rectify this situation. I appreciate your prompt attention to this matter and hope that we can continue our business relationship on a positive note. Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A