Date Received: 2023-05-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the card and was given a {$4000.00} credit limit. I have an excellent payment history with them and my credit rating has been consistent. They lowered my credit limit to {$2000.00} only 60 days later?, without offering a valid reason. They also promised me XXXX XXXX XXXX miles and they never gave them to me. I called them several times and spoke to management, they refuse to increase my line back to {$4000.00}. They offered the credit limit and the miles just to lure me to open the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: 1st Call - XXXX XXXX XXXX I got a text message saying a package was returned with a phone number to call, I called and spoke to " XXXX ''. She questioned whether I could tell when a text message was sent to me, she then proceeded to ignore me for about 60 seconds as I asked questions then come back talk over me, and ignore me for another 5 minutes, after that. 2nd Call - XXXX XXXX XXXX Second I spoke to " XXXX '', who verified my information and then transferred me to " XXXX '' who was very rude, he decided I need to be verified again to put in a simple report against an agent. He then lied and said he didn't have any of my information. When I questioned that I had been verified by XXXX, literally standard procedure for your reps before transferring a call to a supervisor, and had entered my credit card number into your robo system he relented he lied and did have my info but wanted to verify me. So I told him I wasn't confident he was a Citi rep and that he should do an alternate verification method and asked him to text me a code to verify. He said " no '', we had to do it his way only, and that if I didn't he would hang up on me. I told him ok then hang up on me and I would write this report to the CFPB, OCC, FDIC, and Federal Reserve, and he said thank you for giving me permission to hang up on you and then he did. 3rd Call - XXXXXXXX XXXX XXXX XXXX Then I called again and spoke to " XXXX '' who verified me, and when I asked for a supervisor she literally just hung up on me, no warning, no talking literally just ended the call as soon as I mentioned CFPB, FDIC, Federal Reserve, and OCC 4th Call - XXXX XXXX XXXX XXXXXXXX XXXX I called " XXXX ''??? who refused to identify herself, this is the 4th agent who has made it impossible to get anything done by my financial institution... She had people talking loudly in the background and told me my phone was the problem, the one I had just spoken to 3 other agents on. I proceeded to explain to her the situation and for her to just give me her name and let me talk to a supervisor and she started on some nonsense to avoid giving her name. Call # 5 I can not receive FedEx packages, in the interest of my best financial benefits, it is Citi and Citi Banks Fiduciary Duty to note to never send me XXXX packages as they WILL NOT be received, and the evidence of this is the returned package that has had me spending XXXX minutes on the phone with your agents and seems to be yet still unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an online CitiBank XXXX account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, one for {$1000.00} and another for {$10000.00} for a total of {$11000.00}. The life of the account literally only had those two transactions. After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned. After further investigation I found that Citi is widely known for this type of predatory behavior among customers. During my research I found a number ( XXXX ) for the Citi executive response team. I talked with them, they were civil and polite, and I was able get a bit more information case # XXXX. They indicated the account can be closed without cause and they executed that right, but again, deflecting any real reason why the account was closed. They also indicated the funds may or may not be returned based on an internal investigation of which I have no idea what that investigation revolves around? My concerns with all this are : I really dont know if Ill get my funds back. The secrecy of these transactions seems incredibly predatory given that Citi is given an interest free loan for 60 days from x-number of customers ( including myself ). If the account closure is based on a concern that revolves around fraud and is indeed for my protection, there has been no outreach from Citi to rectify the issue. There is no due process regarding the Citi internal investigation which involves the affected party, in this case myself. My sense this is an actionable legal item if pressed? With the state of the banking industry incredibly surprised, any bank would act in this fashion considering I was depositing funds into the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a 1099-C related to a checking account that I closed in XXXX. I believe this 1099-C with {$1600.00} written off debt is incorrect, and I request a Tax Correction form. This 1099C form would impact my tax return, and contributed me to pay additional tax that I should not have to. Also, I have never had any debt with Citibank. I called Citibank customer service line XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. The customer service told me I would receive written responses back in 7 to 10 business days, but I still didn't hear any responses back from Citibank which made me very disappointed as a customer for almost 20 years. The matter is still not resolved, and every time I called the customer service line, they provided me a different answers. Sometime, they asked me to call the other phone number. Sometimes, they asked me to go to the branch, and sometimes, they asked me to wait.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I transferred money to my Citibank account from my XXXX XXXX account on XX/XX/2023 in the amount of XXXX. I made a few transactions and my account was blocked on XX/XX/2023. I went into the XXXX branch and spoke with the teller, she told me because the XXXX XXXX transaction name was in the name of XXXX XXXX, it was a third party and therefore flagged and my account had been sent to the fraud dept. I proceeded to tell the teller it was not a third party it was just an alias name on the XXXX XXXX. Same if someone had put " dodgerfan ''. It was not another person. I had my XXXX XXXX account on my phone, with my details, my account, my bank linked to the account, as well as my email address, my phone number and current address which is all up to date and concurrent with my state valid driver 's license. They couldn't help me. I got on the phone with Citibank, had the teller speak to the XXXX dept and still there was nothing that could be done. I left with a response of wait 30-60 days and u will receive a letter and a cashers check in the mail. My account then was officially closed XX/XX/2023. I have went to XXXX different branches, I have called the fraud dept, the IRT dept, the security dept over XXXX times now. It has been over 60 days and I still haven't received anything but the run around over and over, with being told my check will b sent out with a letter from the bank. I have then been told on multiple occasions my check has already been sent out. The remainder of funds that was in my account and owed to me on the closing statement was {$8000.00}. There was never no fraud and not once did anyone acknowledge my XXXX XXXX account for proof of transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
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 applied for a CITY advantage card. Because if its design, tiny letters and numbers I could not activate it nor use the Card. I disguised this wit CITY bank and asked for an XXXX compliant card, and thy sent me a card I could not use. Thus I cancelled the City Bank card, without using it. I can not contact City Bank because I have no active City Bank accounts, no check book only XXXX credit and debit cards. CITY Bank are billing me fees for a card I can not use, and compounding the interest on the card, Which even if I wanted to pay, I have no method paying, and no method to contact City Bank to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73120
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. Citigroup representatives verified this account is under my name. Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. XXXX representatives verified this account is under my name. Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. Citigroup representatives verified this account is under my name. Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have XXXX for a dispute as my last dispute for this company XXXX. I was having a last transaction in my account left from a company XXXX owed to me.but my account was closed. So when they attemtped to return it it went to card ending in XXXX it my closed acct so I never got it. The acct it was attached to was put on Hold awhile ago. Thus I never got it by that I mean my account w the company in question squatetrade had out my acct on hold since XXXX and I couldn't get my XXXX money funds or an even have them returned from XXXX because my account on hold meant I has no say in what happened with anything including even If I wanted my own deductible back. That In question caused the whole situation to become lateness and what it is now. Which is when in XXXX they finally took the hold off and after confirming they would release they said to my bank. Of course from XXXX to XXXX my acct was closed .thanks
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A