Date Received: 2023-05-08
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 was contacted by CitiVisa for some charges to my account. XXXX XXXX XXXX XXXX {$1400.00}, XX/XX/2023 XXXX {$970.00}, XX/XX/ XXXX {$430.00}, XX/XX/2023 XXXX {$130.00} They did not want to set aside the charges instead they ask me to continue paying the interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Complaint for horrible customer service and consistently being lied to. I opened a new acct on XX/XX/XXXXXXXX and confirmed the acct had the promotion within a week. I have called over 30 times to resolve this issue and spoke to several supervisors. I opened an account eligible for Citibank 's new account promotion ( XXXX ) on the phone. Criteria : Deposit and maintain a balance of at least {$30000.00} to earn a {$500.00} cash bonus. After making the qualifying deposit within the first 20 days, maintain that minimum balance for a consecutive 60days after the 21st day to receive the cash bonus. I opened an account in XX/XX/XXXXXXXX and transferred XXXX from my personal bank checking account that is my main checking account. The customer service reps and supervisors confirmed that Im on track from XXXXbecause I called to confirm if I needed anything because I've been doing this process with other banks. Over the course of 6 months while trying to collect my bonus I got nowhere. Citi reps were confused that they either dont offer promotions or didnt know how to verify my account. They opened a " Case '' that was supposed to resolve the problem, but I still haven't seen a dime 3 months after I was supposed to receive the bonus. Even after the 90-day period I made sure I met all the requirements. Most of the representatives I talked to at that number had a very heavy accent and you can tell they didnt understand. So, I have to repeat myself over and over. The worst part is that they didn't understand my words. I called at least 8 times a month and have several complaints and reference numbers after CITI said they are denying me the bonus but at least 3 reps said I was on track before XX/XX/XXXX for the bonus. I had one rep named XXXX who said she promised me and my spouse will get the promotion and I met the requirements. Here are the complaints/reference # that were given to me and a summary of my complaints. XXXX ( XXXX ) XXXX XXXX stated in XX/XX/XXXX ( XXXX confirmed also on XX/XX/XXXX ) that I will ensure me and my family member will get the promotion bonus and I was on track, XX/XX/XXXX XXXX ( supervisor ) started a dispute because she said I never was eligible for promotion and accidently started over the clock for the prev. dispute so the customer service rep was confused when I called back, XX/XX/XXXX XXXX up on me and filed a complaint but they didnt give me a complaint #, called back same day and spoke to XXXX XXXX # XXXX, XX/XX/XXXX. XXXX ( supervisor ) ref # XXXX stated I need to send them a w9 tax form because the only way to get a bonus is if I have a tax id number. They even sent me {$20.00} on XX/XX/XXXX in my account because I told them they should pay to fedex the sensitive info because they could have told me this when I opened the account. Come to find out this was another lie because they denied me the promotion either way. I even sent in the promotion flyer that I got to the fax they provided. Finally on XX/XX/XXXX I complained one more time that I had the proper code and should have the promotion. I set up the same account with my family member and they got the account because they got locked out due to potential fraud issues. FYI. They sent me a flyer with a promotion to try again but you have to be a new customer. I have all my supporting docs. Latest ref number XX/XX/XXXX XXXX ref # XXXX. Resolution would be to give me my promotion and I was promised {$500.00}. Reported to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Citi Diamond Rewards Card I was offered a balance transfer promotion. The representative told me that I could make a payment the next day after receiving the funds into my checking account, and that the payment would be applied to the balance with the higher APR. However after making the payment, it was applied to the balance at the lower promo rate, because " the balances weren't updated yet. '' So Citi charged me 3 % for the balance transfer and is now charging me 24.99 % on my balance, which should be at a 2.99 % promo rate. I called several times and representatives told me each time they'd correct the error. However it was not corrected and I was charged interest at the higher rate. The last time I called about it, they told me this was my mistake and they couldn't correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Trying to make weekly transfer to my daughter and my account was disabled to transfer. I should have known, the moment my account was flagged and disabled. The ridiculous thing, they make you go through hoop and continue to ask questions. It wasn't until 3 calls later that a supervisor explained that my account was disabled due to a change of carrier of my phone number. Needed to make the transfer for my daughter that needs her allowance away from home. There was refusal to give me additional information, even how to escalate, or complain within the bank. Spoke with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I went to XXXX 'XXXX XXXX and purchased gas and as I left, I received a text message asking me if I made a purchase to XXXX XXXX and I said no. I then called them and they advised me that my account had been compromised and they sent me out a new debit card. On the XXXX of XXXX, I received the same text message asking me if I made the same charge and I didn't respond until the next day in which they had blocked my debit card again. I spoke with several representatives who was advising me to switch my debit card again or change accounts and that wasn't a solution for me because if my debit card number was changed, and they got the new card information, there wouldn't be any resolution. I called back and asked to speak with a fraud manager and she advised me have the debit card changed to a new debit card number which is called CIN Collapse with Citibank CRU Team. I agreed but was not satisfied with the resolve. I stressed that this is the 2nd weekend that I am going on without having access to my money. She said that I could walk into the branch and get money and that Monday I walked in a Citibank branch and had no access to my money. I called the fraud team back and was told that my account didn't look like it was a checking account but a pre paid account. I was told that I would receive a call back but never did. I got a new debit card that Tuesday and everything worked fine until today XX/XX/XXXX. I received a call from Citibank and I couldn't hear the representative and asked her to call me back. After 10 minutes passed and no callback, I decided to call Citibank to find out what was going on. I spoke with a representative who had me to verify my information and then was advised that my account was being closed because someone tried to access my account from XXXX. I advised her that I have never been to XXXX and that no one but me have access to my account. I then asked to speak with a supervisor and she said that she was sending them an email and they will call me back. I was not okay with her explanation and I called back. I was then told that my account was not being closed due to someone accessing my account in XXXX but because some merchant and consumer rule was violated and I asked for a supervisor she also said someone would call me back and abruptly hung up. I have direct deposit other transactions that are scheduled this week and my account is restricted. I am very upset about this and I will be going into a branch as soon as I get back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made an electronic payment and it did not go through. I will like a history of all the electronic payments that were made from XXXX to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2022, I entered a Macys holiday contest via XXXX. The prize was {$5000.00}. In XXXX I noticed a credit to my macys account for {$5000.00}. I called customer service to inquire. The representative stated he was unsure but that credit is correct to my account. I called my banking institution as they had recently consolidated a my Macys account. They confirmed it wasnt an overpayment on their end. So I honestly thought I won the holiday contest. Months later I get an alert of a reverse charge by Macys. The funds that were deposited to my account was an error of their employees. With that being their error they have charged late fees as well as interest. They have also impacted my credit rating. My Macys credit is XXXX My report reflects that Ive spent XXXX XXXX of my account limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : AMEX/XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is the Citibank Visa for Costco XXXX customers. I have an executive membership at Costco I paid {$120.00} for my annual membership renewal on XX/XX/XXXX, using the Citibank Card. Now Citibank is cancelling my card because they say I didn't pay the Costco membership fee ( even though the charge is right there on my card statement ). They say I have to call Costco to resolve the issue but the phone number they give ( same as the number on the card ) does not work ( I get connected and then disconnected after 30-minute wait times ). I've been a Costco member uninterrupted since XXXX. I'm currently traveling abroad in XXXX and can not visit a member services counter in a store ( the only other option they give me ). I rely on my card for many daily purchases so if they cancel my card XX/XX/XXXX ( as they threaten to do ) I will be stuck with no way to pay for travel back to US or elsewhere and I will also lose my accrued cash-back benefit. The membership renewal payment is right there on my card and they don't have any way I can get in touch with a person to solve it. I would really appreciate your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01930
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Someone called my cell saying they are the fraud dept of citi bank and I need to withdraw immediately {$1900.00} from my checking accouant purchase XXXX gift cards give them the card number and access code asap .When I got back home I got the same thing with my XXXX XXXXXXXX XXXX XXXX I withdrew {$1000.00} from different accouant because I did not have the amouant in one accouant. I was told in 6 hours the money will be back in the accouants.Never happened. I called the bank and I was told to contact the police XXXX XXXXXXXX XXXX Police report # XXXX.XXXX from the fraud dept told me he changed the ip address on my computer the new onw is XXXX I did a FTC report too # XXXX. Then today XXXX XXXX XXXX told me to call XXXX to see if I can stop the gifts cards XXXX said its too late here is the XXXX case # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A