Date Received: 2023-05-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This is the complaint about Citibank - their handling of sign on bonuses for opening credit card accounts. I opened Citi Premier card on XX/XX/2023 using public link and there was a sign-on bonus of XXXX ThankYou points for opening the account and completing {$4000.00} spend in 90 days. I completed these spending requirements, but didn't get the bonus within the promised timeframe. I called Citi ThankYou customer service center and was advised to email the copy of the sign-on bonus offer to XXXX. I am not getting any responses from that department despite several follow-up emails. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Somebody tried to open up a macys credit card under my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The account is never late but Citi closed the account for no actual reason. Also sent an unsigned letter by a fictitious person that I am unable to find in the list of vice presidents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hello, I find it highly problematic that Citibank is refusing to close client 's credit card accounts. I understand that they are trying to catch up with other big retail banks in the credit card business, but I think their business practises are highly unethical and unprofessional. My detailed experience is as follows. I signed up for a Citibank credit card a couple years ago. However, I didn't really like their offerings compared to their competitors, so I rarely used the Citi credit card. Last summer, I noticed a fraudulent activity on that card which prompted me to call Citibank to close my account. However, their customer service staff were extremely resistant with my request. They kept on going in circles asking me why I wanted to close the account and started offering me things I don't need in order to keep my account open. I was in a rush when I called, so I decided not to bother closing it. A year later, I decided to call Citibank again to close the account. They did the same tactic where they kept on asking me why I wanted to close the account. I answered, " I don't use your card and I want to close it ''. However, they refused to take that as an answer. They responded : " For compliance reasons, we need to know why you want to close the account ''. I said I already told them why I want to close the account. And then they started offering me 10,000 " ThankYou points '' to prevent me from closing the account. After wasting half an hour of my time, I became very impatient and I had to tell them, this is my account and I have the right to close it. I told them that I would report the to the regulators if they refuse to close my account. Only until then, they closed my account. I find their behaviour highly manipulative and unprofessional. I want to bring this to the attention of the regulators, as I think this is highly problematic and I have not experienced similar behaviour from other banks. Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a dispute with a fraudulent charge on my Wayfair Citibank credit card. I submitted the dispute and closed the card. They determined I was responsible for the charge. In the documents they sent me informing me I was responsible it included documents from the merchant where this purchase was made. In the evidence it shows it was not me who made the purchases. It was a different name and different address. The evidence is clear that the card was stolen and even shows the information of the person who committed the fraud against me. I have made many attempts to resolve this with Wayfair Citibank credit services and they continue to bill me for this fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a Citibank account with XXXX XXXX at Citibank in XX/XX/2023. He set my residential address as XXXX like it had on my ID and my other address here in XXXX. Since then the fraud and customer service department has harassed me almost everyday by locking my account for no reason. I take uber to work 10 times a week and every Saturday and some morning they would claim XXXX as fraud and lock my account till I called and spent XXXX on the phone. This caused me to late work two times which resulted in my termination. Now they have completely frozen my account and will not let me into my checking account. It is XXXX and I am unable to pay rent which could result in an evictions. The emotional stress it has caused me after dealing with identity theft for two years caused me to nearly try and kill myself. The customer service number passes you around and keeps you on the phone for hours causing me to miss appointments and undue stress. They are holding a check but also locked my checking account which has left me completely penniless as I closed every bank I had to ensure I was reducing the threat against me from my identity thief. I am in absolute tears. I have XXXX XXXX cats and I do not know what to do with them if I am evicted. I just want my account money and to be able to be compensated for lost wages, late fees for rent and the stress this has caused me. If my friend had not been here I do not know what would have happened when I wanted to harm myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: said i would be charged in 48hrs with a XXXX XXXX XXXX on a repoed car 17yrs ago thru citibank
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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 purchased ( with Citi credit card ) some furniture from XXXX XXXX back in XXXX, XXXX. Was given delivery dates for this furniture. Merchant failed to deliver as scheduled, and after much back and forth, I cancelled the order ; never having received anything from this merchant. Merchant refused to reverse the credit card charge because they had no record of charging me ( later admitting this was their accounting error ). I then contacted my CC company ( Citicard ) and disputed the charge, with explanation. Citi initially removed the charge from my account. Over the past few weeks, a representative of the merchant contacted me via email and telephone and acknowledged the problem, and admitted that the merchant made errors in the transaction and they had no record of my credit card, despite charging me the full amount of the purchase. On XX/XX/XXXX, Citi notified me that their investigation was complete, and I was responsible for the charge. I have provided Citi with multiple documents outlining this situation, including my credit card receipt ( I was never invoiced for the goods ) and the email acknowledgement from the merchant that I am owed a refund. Despite this documentation, Citi refuses to honor my request for a full credit. I received absolutely nothing from the merchant, and as such I am deserving of a full and complete refund for the charge. I have spoken to numerous people in the " Dispute '' department at Citi over the past 2 days, they refuse to allow me to speak with a supervisor, and refuse to offer any further assistance with my issue. To restate, I was charged in full on my credit card for goods never received. Merchant has acknowledged the order cancellation, yet Citi refuses to reverse the charge ; in effect forcing me to be financially responsible for good never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing in regards to the closure of my checking and savings accounts due to alleged fraud on the associated checking account. To the best of my knowledge, no investigation has been conducted in this matter. Subsequent to my inquiry about the case, the funds within the checking account were mailed to me. However, I have not received any updates on the savings account despite receiving a mail stating a balance of {$500.00}. I have made multiple attempts to contact the bank for clarification on the matter but have not received a satisfactory response. I would greatly appreciate your prompt assistance in resolving this issue and retrieving the funds from my savings account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I opened two accounts with Citi Bank at the branch in XXXX XXXX, Illinois on XX/XX/XXXX in connection with a promotional offer from the bank. I deposited {$13000.00} in a Savings account and {$1500.00} in a Checking account. A personal banker ( I do not remember her name ) was assisting me to set up the account and XXXX XXXX ( Citi Gold Relationship Manager ) was overseeing the accounts at that time. In XX/XX/XXXX, after consulting with the same personal banker with whom I opened the account, I withdrew {$13000.00} from the Savings account. I was told that she would change the status of my checking account to avoid any monthly fees, and I only needed to keep a minimum balance of {$1500.00} in the account. I kept {$2000.00} in the account to avoid any monthly fees, which was more than the amount that was required. In XXXX XXXX I went back to the same branch for some new business transactions, and I found out that my account has only a balance of {$1100.00}. The bank had been charging bank fees of {$25.00} per month for the last three years. I was really shocked that the bank put my account to an inactive status and kept charging the fees. I was never received any notifications or communications by any method regarding this account, while bank continued to charge this exorbitant monthly fee for over three years. This is absolutely a bank error and the personal banker never changed the status of my account to avoid the fees as she promised. I am a victim of someones error, and I was robbed over {$1000.00} from my account. For your reference, Im attaching copies of the bank statements for XX/XX/XXXX and XXXX XXXX which was provided by the current local branch manager, XXXX XXXX. XXXX was able to refund {$200.00} of the fees ( because this was the highest amount within her authority level ), and I was told to contact the Retail Bank Executive Response Team for further assistance. Im requesting a refund of the remaining bank fees of approximately {$750.00} to my account. I contacted the bank and I was told they sent me two letters regarding the inactivity status of the bank account. I don't remember getting any of them and I normally get so many avertisement for credit card offer and I can't recollect any of their warning letters. I am not sure why the bank put my account in to an " inactivity '' status esspecially during the covid season and was charging {$25.00} every month for that reason. please help me to recoup the {$700.00} I lost for bank charges ; it makes no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A