Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: From XX/XX/2022 to XX/XX/2022, Citibank has reported an account past due to all XXXX credit bureaus. Citibank has collected their payment on my bank account, and an in-person payment in-store at Macys. Upon contacting them, they offered to provide a refund which never happened. I proceeded to call my bank and dispute the transaction. Citibank then decided to report my account not paid following this without providing a refund and without notifying me of that even tho I paid them. Around XX/XX/2022, someone helped me identity the account being reported as late on my credit report. I contacted Citibank and make a full payment yet even tho they were already paid so they can fix their reporting. Up until now, no refund was provided and yet they ruined my credit with their false late payment as a tool of extortion. Macys and Citibank have put together to discriminate against me due to my race and my XXXX of speaking clearly. At one point, Macys and Citibank have defrauded me, then they are causing difficulties in obtaining any financial products.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: From XX/XX/2022 to XX/XX/2022, Citibank has reported an account past due to all 3 credit bureaus. Citibank has collected their payment on my bank account, and an in-person payment in-store at Macys. Upon contacting them, they offered to provide a refund which never happened. I proceeded to call my bank and dispute the transaction. Citibank then decided to report my account not paid following this without providing a refund and without notifying me of that even tho I paid them. Around XX/XX/2022, someone helped me identity the account being reported as late on my credit report. I contacted Citibank and make a full payment yet even tho they were already paid so they can fix their reporting. Up until now, no refund was provided and yet they ruined my credit with their false late payment as a tool of extortion. Macys and Citibank have put together to discriminate against me due to my race and my XXXX of speaking clearly. At one point, Macys and Citibank have defrauded me, then they are causing difficulties in obtaining any financial products.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: after opening my account i had made a XXXX check depoist on the XXXX XXXX XXXX, and it took ten days to clear, which is understandable. but the same day it became available XXXX. i started to pay my bills and the bank frozen my account with out even contacting me to see if i was even making the transactions. so i called them the same morning and tryed to tell them, but they said they would have to send a letterXXXX XXXX (. So i had lost my phone about three days before the check had cleared, so i was waiting to buy a new phone, but the bank froze my account before i could go get one ). and since this has happen i have had no access to my account. They said they were sending me a letter that would be here in about 7 to 10 bussniess days, which would have been last Thursday XX/XX/XXXX, but no letter showed up, so i called back to tell them and after a very frustrating callthey said theere was nothing they could do but sent out another letter, so here it is the XXXX and still no letter., i cant pay my bills, i haveent had a phone in two weeks because of this iv got bills in late payment, its going to show on my cridit report. they will not help me no matter how many questios i answer to verify myself., so i called again today XX/XX/XXXX, just to be hung up on very rudley., iv been dealing with this for almost a full 30 days., they let me make depoists, this has stopped me from getting a new phone which is how i run my bussniess, so it has cost me no telling how many costumers, XXXX of dollars has been lost over this freezing my account for no reason. i guess im going to get a lawyer This is CITIBANK, THEy ARE TERRIABLE. froze my account for no reason at all, didnt even check to see if it was me, and then keep me from my money for XXXX weeks now.,.,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Citi advertises the ability to transfer XXXX Points to airline partners such as XXXX XXXX. When I have attempted to use this feature for the last 5 days, it fails with an unhelpful error message : " When we tried to complete your Points Transfer, we encountered a system error. Please try again or contact Customer Service for help. '' I have attempted to transfer points from Citi to other transfer partners, but none of them have been successful. I have contacted Citi Customer Service more than 10 times about this error both via different customer service lines and their online chat. Citi has not explained or fixed the problem, instead stating that the issue must be the transfer partner, though I have called the transfer partners to confirm all is acceptable on their end. I know that other Citi customers are able to use this feature. I request that Citi 's senior management investigate and repair my individual account and notify me, in writing, when I can make a transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
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: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened an accelerate savings account with Citi Bank on XX/XX/2023 in response to an offer that I received via email. The account is a joint account with my husband and it was opened over the telephone with an account representative, the opening documents were signed electronically by both of us. Upon review of our first statement, I discovered that XXXX was taken out of our account for federal withholding tax, I called citi bank to see why this occured and I was told it was because they didn't have a W9 on file and that I would have to complete this and mail it in, they do not allow this form to be submitted via email or fax. I explained to them that I am not comfortable sending my name, address, and social security number through the mail. I spoke with 6 different individuals regarding this matter on XX/XX/XXXX & XXXX, XXXX. I called last night ( XX/XX/XXXX ) to see if I would be paid the {$150.00} bonus they were offering if I didn't submit the W9 and I was told that I would not receive the bonus without them having a form on file. I reside in Michigan where there aren't any Citi Bank locations for me to drop a form off at, I requested my account to be closed on XX/XX/XXXX and was informed it would be and to expect a check in XXXX days, which is another complaint that I have, I do not understand why the funds can't be electronically sent to the bank that I transferred them from. I understand I will now forego the bonus because I closed the account early, but I'm only closing it because of their W9 requirements. When we opened the account over the phone I assumed all necessary documentation would be signed electronically, I was never informed by the account representative that I would have to submit a W9 through the mail. I believe this is terrible business practice and I shouldn't have to jeopardize my personal information to be able to qualify for a bonus incentive offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This complaint is a follow-up to complaint number XXXX. I just went to my account and was informed that I needed to call their is a fraud alert on my account. What happened was I was trying to make a payment to a company in XXXX, XXXX XXXX, and every time I tried it was declined. I called Citi and they couldn't figure out what was going on. They would try to do something on their end and then asked me to try again and it would get declined again and put my account into fraud mode again. This went on for hours and they could not fix the problem and then basically said they don't know how to fix it. This morning, XX/XX/23, I called Citi because of the fraud alert. They said they needed to verify my information. I answered all the questions and then they wanted a telephone number of a relative with my last name to call them to verify my identity - that is totally unacceptable. I said that I would not give them a number a relative with my last name. They said the would send me a letter in the mail to in 5-7 days and that will tell me what to do. I opened this account 4 days ago. This has been by far the worst customer service I have ever experienced. I have decided to close all of my accounts with Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received a new Citi XXXX credit card with a credit limit of {$7300.00}. I'm going on a trip to XXXX and have booked XXXX accommodations there. I wanted to pay the balances due on all three and was successful with 2 of them. When I tried to pay for the third one it was declined. The amount was {$1000.00} Swiss francs. MY 2 previous charges on XX/XX/XXXX were for {$530.00} and {$700.00}. So there was enough credit for the third charge. I notified the company that my card was being declined and told them what the rental place said. Here 's their email - " Hello XXXX, I hope you are well. Here in XXXX it is not allowed by XXXX XXXX to charge any Credit Cards with numbers given over the phone. I checked the payment history and the good thing is that the card number is changed in our system. However, we where informed by our credit card company that the payment attempt of XXXX for your reservation was declined by your bank CITIBANK XXXX There can be many reasons why a bank declines a transaction. It can be anything from an error in the card details entered into our website, or the address not matching the card account billing address, to the bank 's anti-fraud security system automatically declining the payment because it is a foreign or unusual transaction. It may also be that you did not complete the 3D Secure ( 3DS ) authorization step to verify your identity as the owner of the credit card by entering an authentication code. In most cases, this is a single-use security code sent by SMS to a mobile phone ( see below for further information about 3DS ). Your bank does not give us any further details. So you will need to contact your bank to resolve the issue and to have them authorize the payment to avoid another declined transaction. Then contact me so that the payment can be re-attempted. You can add an alternative credit card to the booking via our secure website if you prefer. But we would still recommend obtaining prior authorization from the card issuer to avoid another declined transaction. Kind regards, XXXX XXXX. The 3D Secure ( 3DS ) payment authorization system should be available through all banks and credit card providers under the following name ( s ) : Mastercard Identity Check / SecureCode Please contact your bank for further information or if you need to check if 3D Secure ( 3DS ) is activated on your credit card account. When I called Citi and read them the email they worked with me for about 2 hours with numerous attempts to resolve the issue. They could not and said they don't know what to do now. The card should work, but it doesn't. I'd like to pay this company with this credit card and would like SOMEONE at Citi to take ownership and resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I moblie deposited a check from the NEW YORK STATE DEPARTMENT OF CORRECTIONS THE BALANCE OF {$530.00} and Citibank told me that the check was fraud. I deposited the check XX/XX/XXXX. And still havent received my money. They closed my account because they said the check was fake and it was fraudulently. I even had my payroll contact the bank. The bank been giving me a hard time and its now XX/XX/XXXX and I still havent received my money. And my account is closed and th bank told me I wont be getting it until they have a verification from where the check came from. Mind you payroll said on there end the check was cash by the bank so if it is why havent I received it and why was my account closed. Citibank is working with me or helping me they just dont care. Ive looked online at review and over XXXX people have this same problem and nothing has been solve. I just dont understand I need help, and I would like to have my money. I just dont understand how my check can be fake or fraudulently if its from the New York State department of corrections .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint against Citibank regarding their handling of an international wire transfer I initiated with XXXX XXXX XXXX XX/XX/2023. I wired funds to XXXX XXXX XXXX 's account with XXXX XXXX, XXXX XXXX in XXXX, for the purchase of an apartment in XXXX. Citibank was the intermediary bank. However, to this day ( XX/XX/2023 ), the money has not been received by XXXX XXXX, XXXX XXXX ( the final bank ). I have had numerous back-and-forth communications with XXXX XXXX regarding this issue , and in attempt to get back my hard-earned money. However, XXXX XXXX places the blame on Citibank, advising that it is Citibank that is holding on to my money. Initially, I was told this as because they were conducting an investigation ; the nature of that investigation has never been explained to me. Further, XXXX XXXX has stated that Citibank has consistently ignored their messages regarding recalling the money. I filed a formal complaint through your office ( Complaint ID XXXX & XXXX ) against XXXX XXXX on XX/XX/2023 and XX/XX/2023, respectively. I called the XXXX XXXX XXXX XXXX on XX/XX/2023, and requested them to reopen the case after they had written that they were closing the case, and by implication I should accept the loss of the money ( {$33000.00} ). A XXXX XXXX representative advised me to contact Citibank directly, in spite of knowing that I am not a Citibank client. I believe both banks have acted egregiously and in bad faith, with little interest in recovering my money. Due to this months long delay, I am uncertain about being able to purchase my apartment as agreed upon with the seller. I also risk being penalized for late payment. This has caused me considerable emotional distress and anguish. XXXX XXXX and Citibank have yet to provide a clear explanation as to why my hard-earned money is still being held and not returned to me. I suspect that the banks are ignoring me and not taking my complaints seriously, possibly because I am a minority. The mismanagement of this wire transaction demonstrates a profound sense of arrogance and disregard for professional courteousness. Therefore, I am seeking a full refund of the wired amount ( {$33000.00} ), as well as compensation for any additional expenses incurred as a result of Citibank and XXXX XXXX egregious negligence. I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter sooner than later. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone stole my identity and opened two credit cards in my name with Florida addresses.I have never lived in Florida. or visited that place in the last five years.All the charges on the cards were made in Florida.Citibank charged off one of the account on XX/XX/XXXX. Opened a dispute with XXXX about inaccurate information on my credit report in XX/XX/XXXX. In XXXXCitibank did not charge off one of the accounts and i still have this inaccurate information and wrong addresses on my credit report.They have two Florida addresses on my credit report that is false.This information is ruining my credit.I was unable to buy anything with this credit card because it will always decline payment.Lo and behold i got a bill from the bank saying i owe them {$8000.00} in credit card bill on XX/XX/XXXX. I also have never owned any credit card with the numbers Citibank is sending to me.Citibank also sent correspondence stating that my statement notification email was returned undeliverable and that i should make sure that my email is up to date. I am still receiving credit card bill every month which has now surpassed {$10000.00} and is still on my credit report. Yours Respectfully.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A