Date Received: 2023-05-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been given 2 prior closing dates ( XX/XX/2023, XX/XX/2023 ) and now my closing date has been moved to XX/XX/2023. I was asked by the loan processor for a list of needed documents for the underwriter to review on XX/XX/2023 at XXXX. ( Mind you, this is the second loan that we are trying to get approved, the first one was denied by CITIBANK ) each time the closing date is pushed back, I get issued a new set of disclosures with a completely different interest rate on it. This is an interest rate I have been previously " locked in '' to per the loan officer I am working with ( XXXX XXXX XXXX ID : XXXX ) This loan officer is terrible. Does not thoroughly explain things, and asked me just last week to pick a different interest rate... isn't my interest rate locked? and we just bought down the interest rate to 5.2 % and he wanted me to accept a 5.85 % interest rate so CITIBANK could make more profit off my back. I regret choosing this bank to purchase my first property. They are sloppy, disorganized and unprofessional. Clearly I am not a priority as a customer. My lender sends me correspondence that doesn't provide answers or a solid timeline and has a note at the end of this correspondence to call him if I have any other questions but the moment I call him, he is quick to rush me off the phone and hang up. We already well past the projected closing date of XXXX XXXX and the loan XXXX does not provide me with daily or even weekly updates. I suspect that they are purposely pushing back the closing date so that they can serve me with an increased " locked in '' interest rate and charge me more in closing costs. I do not trust this company anymore and they do not have my best interest in mind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Got a citi XXXX XXXXXXXX credit card with a $ XXXX limit, went to make purchase for {$4100.00} in airline tickets for my parents to come visit me from their home country, a once in a lifetime trip. Citi declined the transaction for fraud ( okay ), we called they " cleared the card '' ... processed again.. declined.. we repeated the process over and over. We were on the phone with Citi for over 3 hours, between getting hung up on multiple times, lied to, mis led, and never getting a resolution, the last seats on the flight were purchased, and the next best alternative was for over {$8000.00}!!!! Citi feels they have done no wrong and do not owe any explanation. I am not Theo only one who has issues with Citi, they are the worst bank, and the customer service agent even hinted the transaction may be declined because we are trying to purchase tickets for another airline and use an XXXX card. This is ridiculous and Citi ridiculed us when all we wanted to do was be approved for a transaction. Our business and time and effort meant nothin to this joke of a bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: Citibank denied a dispute I filed XX/XX/XXXX for a defective item I purchased, Citibank sided with the merchant, even when the merchant did not provide evidence that they worked with me to solve the issue. Merchant only provided a copy of the order details. Citibank sent me a letter stating that in order for me to pursue the dispute further, to sign. letter they sent me as well with additional documentation. I signed such letter, and attached multiple email communications I sent to the manufacturer where they deny anything is wrong with the item, even when they have not inspect it physically to make such determination. I sent email to Citibank email address for disputes at, XXXX in multiple dates, XX/XX/XXXX and XX/XX/XXXX. I have contacted Citibank in multiple opportunities after this emails and they still claim they have not received any email from me. I have until XX/XX/XXXX to send this letter and extra documentation in order to proceed further with my dispute. I did send emails to Citibank before the XX/XX/XXXX deadline so I was on time. It is not my fault that Citibank faulty system is not receiving the email correspondence I sent. I am attaching copy of the emails sent to Citibank, as well as the documentation attached to such emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/23, I received a credit card bill from Citi Bank. I do not have a Citi bank credit card. I reported this to Citi bank and they advised there were two credit cards opened with my personal information ( my current address, an old email and used my maiden name ). They closed both accounts and reported them as fraud. I further checked my XXXX XXXX account, and found out the same thing had occurred with a XXXX XXXX XXXX credit card. I also called XXXX XXXX XXXX and was advised the same thing : that a credit card was opened in my maiden name with my personal information. This account was closed and reported with the company as fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I tried to chat online for XXXX miles will be credited to my XXXX XXXX flier membership account after spending {$2500.00} in first three months. Representative told me to investigate this & will resolve problem but never happen. Then I called Citi/Aadvantage tall free number, talked with XXXX, she told me that there no offer like that. I have email that they sent to me & Statements of credit card which will prove that I have spent more than {$2500.00} as they require.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60090
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: There were fraudulent charges that were made to my credit card by XXXX for several months. I detailed the issue in letters sent to Citi on XX/XX/XXXX and XX/XX/XXXX by certified mail. They have resolved & refunded some of these fraudulent charges - but other ones, as documented in detail in the XX/XX/XXXX letter, they have delayed providing a refund- and it has been over 6 months. Each time I call, I just get the runaround and nobody will resolve the issue. I have tried calling numerous times to resolve. The latest attempt was XX/XX/XXXX and I talked to XXXX ( ID : XXXX ) a Fraud Department Supervisor. She could not provide a resolution. Hence this complaint in hopes you will resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/XXXX, I was induced via a targeted personalized offer in the Citibank app to open a Citibank Accelerate Online Savings Account as an existing Citi Credit Card holder for depositing funds, maintaining them in the new account for certain period of time and receiving a cash bonus. I am attaching XXXX screenshots with the terms of the bonus offer. Subsequently I was informed the Citi promotion code for this offer was XXXX. Citibank is refusing to honor their end of this bonus agreement and to deposit the promised bonus of {$450.00} to my Savings account. Fortunately I have kept evidence of all of the steps regarding this offer and am able to provide you with details for this investigation. In good faith and with careful attention to the details of the offer, I proceeded exactly as instructed in the terms and opened a new Accelerate Online Savings account via the Apply Now button in the Citi app. After opening, on XXXX XXXX XXXX I contacted a Citi agent ( named XXXX ) via the Chat function on the Citi website in order to confirm that the account has been opened correctly and according to the terms of the bonus offer and that the bonus is successfully attached to my new Savings account. The agent recommended that I contact a Citi Bank XXXX XXXX XXXX XXXX for better assistance and provided a phone number. I followed the Citi agents instructions and spoke to an agent on the phone on XX/XX/XXXX who proceed to carefully check and confirmed that the account is opened according to the terms of the bonus offer, the offer code is attached to it, the new savings account is added in a banking package with my existing Citi checking account, and there is nothing else that needs to be done with the opening process and enrolling in this bonus offer. In short, my new Accelerate Savings account was determined and confirmed eligible for this promotion by the phone agent. On XX/XX/XXXX I contacted again Citi via the Chat function, and spoke to an agent named XXXX, who stated : Our records show you enrolled in promotion code XXXX ( screenshot attached ). On XXXX XXXX XXXX I again contacted Citi via chat, in order to confirm that I have satisfied the promo requirements of the offer ( which I did by that point ). I spoke to an agent named XXXX, who stated : Yes that is correct! You just completed all requirements of that bonus. ( XXXX screenshots attached ). According to the terms of the offer and as confirmed by the previous agents, 30 days after XX/XX/XXXX, no later than XX/XX/XXXX, I should have received the bonus in my Savings account. Since I did not receive the promised {$450.00} bonus corresponding to my tier of the bonus offer for depositing more than {$50000.00}, I contacted Citi again via chat on XX/XX/XXXX. XXXX named XXXX checked all the steps to confirm that I have satisfied everything and confirmed : The cash reward should have been credited to your account on or before XX/XX/XXXX. The agent also asked me if I have raised a promotion dispute for this and since I had not, they stated : Please do not worry, let me file a promotion dispute for you and as promised by Citi you will get the cash reward. ( XXXX screenshots attached ) Citi replied to the promotional dispute via PDF letter on XX/XX/XXXX ( attached ), incorrectly naming in the letter my account Money Market, instead of Accelerate Savings, and denied the bonus with the reason that : Unfortunately, your account does not qualify for this promotion because the Basic Account package is not eligible under this promotion. I contacted Citi again via XXXX on XX/XX/XXXX, and spoke to an agent named XXXX. The agent confirmed that my account ending XXXX is an Accelerate XXXX account and is enrolled and eligible for the bonus ( XXXX screenshots attached ). He proceeded to write another promotional dispute which did not bring any resolution to this case. I also spoke with a Citi supervisor named XXXX ( spelling? ) on the phone on XX/XX/XXXX, and the agent was not understanding nor polite at all and unwillingly proceeded with writing to the appropriate department to investigate further. She suggested that I will hear from the Citi in the following XXXX business days, by the end of the week ( which would have been XX/XX/XXXX ). Until this moment I have not heard from CitiBank. I am extremely disappointed that Citibank is refusing to honor their end of the agreement. I proceeded and completed all steps of this bonus in good faith, and followed all the steps and requirements as instructed in the terms and by the Citi agents. I insist that Citi credit my account with the cash bonus of {$450.00} immediately. I am extraordinarily unhappy that Citi can do this to their customers. Thank you for your time and attention to this matter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Citibank took over my mortgage from XXXX XXXX XXXX on XX/XX/XXXX Title Document Plymouth Registry of Deeds. Document # XXXX. Loan # XXXX Amount {$100000.00} 15 year Fixed Citibank sold the mortgage to XXXX XXXX in XXXX Loan # XXXX Mortgage balance with XXXX XXXX is under {$25000.00} While applying fro a home Equity loan recently, I was made aware that Citibank never release the lien on my property when they transferred to mortgage to XXXX XXXX I have made several calls to Citi bank. I have emailed lean.release@citi.com and gotten no help or response The folks at XXXX XXXX, even though they should have caught this, just refer me back to Citibank. Meanwhile I can not do my home improvements and the rates are going up. My HELOC has been approved, but I can not move forward until this lien is released. I have my hands tied by a bank no longer in this business. PLEASE HELP! XXXX XXXX XXXX XXXX XXXX. XXXX, MA. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have attached the emails and bank deposits along with the banks schedule of my XXXX XXXX XXXX account. There was {$160000.00} in existing client trust funds which had been in my account and collected. I received the first cashiers check via XXXX XXXX ( see copies ) on XX/XX/XXXX which I deposited per the Sellers instructions ( all in the e-mails attached ) I forwarded the entire email string to XXXX at XXXX and per the email instructions we wired {$90000.00} to the directed Citibank in MD. Per the XXXX and executed representation agreement, I transferred {$2500.00} to my operating account. On XX/XX/XXXX, I received a second cashiers check via XXXX XXXX drawn on the same bank ( in pdf ), I went down to XXXX that morning and per instructions wired {$97000.00} to the same Citibank MD account as before. The wire was instituted the same morning I deposited the cashiers check. The title to the Citibank XXXX was XXXX XXXX XXXX. I called XXXX XXXX and left a voice mail on Wednesday XX/XX/XXXX telling him I was feeling weird about the wire transfers On XX/XX/XXXX, the bank debit the first cashiers check for XXXX when it was returned uncollectible. XXXX never verified the funds were good before wiring same even after the voice mail to XXXX. On XX/XX/XXXX, when the bank discovered the first cashiers check was bad, they stopped payment and debit the second deposit out of my account as pending uncollectible because they knew there was fraud. I met with XXXX, the fraud lady at XXXX and she instituted a XXXX recall from Citibank in MD. We also met with the XXXX XXXX and filled out a police report. XXXX XXXX XXXX XXXX white collar crime on XX/XX/XXXX. XXXX XXXX XXXX XXXX The banks general counsel ( I talked to him this week ) is XXXX XXXX XXXX. His email is XXXX. The bank is denying any responsibility for the problem although XXXX ( wire transfers ) asked me afterwards how I received the checks and I told her XXXX and she said she could have told me that was a scam. I have attached data from the NJ law firm that was scammed by Citibank transactions to XXXX. XXXX ( XXXX XXXX told me the funds had been wired to Citibank to XXXX XXXX in XXXX. I have filed reports with the FBI, FTC, FBI, OSBI and the FDIC. I have attempted to contact the NJ law firm several times. No return call. XXXX knew or should have know there were scams and they wired uncollected funds without verifying their authenticity the same day the were deposited ( on the second wire
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A