Date Received: 2023-05-01
Issue: Problem with customer service
Subissue:
Consumer Complaint: XXXX XXXX at citi bank location in XXXX ca bank location XXXX. The address is XXXX XXXX XXXX XXXX Ca XXXX. She was very rude and I feel like that she was racially profiling and discriminating to me I would like for her not to be a teller. She should be working in the back because she doesnt know how to do customer service skills.
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: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In XXXX XXXX XXXX I put down separate deposits of {$750.00} for two properties with a leasing company called XXXX. I cancelled both deposits, the leasing company sent me two separate checks to refund my security deposits. I received the checks separately by mail. I cashed the first check for {$750.00} around the XXXX of XXXX and the second check on XX/XX/XXXX. Shortly after that I received a notification that my accounts would be closed and my funds frozen. I went directly to my local branch manager who was extremely helpful, I showed her the information from my leasing company indicating that both checks are refunds for security deposits. Unfortunately, the entire fraud department for Citi is located overseas and we stayed on the line for over an hour to no avail. I explained multiple times the reason for these refund checks but the fraud department refused to accept my reasoning. They insisted that only the leasing company can call and confirm that their checks are legitimate. I've spoken with my leasing company 's accounting department and provided them the number for Citi 's fraud department but they have never been able to get through to anyone. I've called multiple times and the fraud department is unwilling or to incompetent to connect the dots. They are unable to explain why the first check I cashed was fine but the second check for some reason was flagged. It has now been more 60 days that my money is inaccessible. I'm also unable to open an alternative account due to the XXXX flag resulting from this unwarranted account blockage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 069XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have already filed a complaint, but it was incorrectly closed. Claim # XXXX I have attached a copy of the response letter from Citibank of XX/XX/XXXX XXXX which claims that they have received no response back from the bank of deposit , XXXX XXXX XXXXXXXX XXXX But in fact Citibank was mistaken. They had indeed received a response back from XXXX XXXX XXXX on XX/XX/XXXX. That letter was forwarded to me by Citibank on XX/XX/XXXX. See attached. In XXXX XXXX XXXX 's letter to Citibank, they claim that the funds that Citibank had debited from my account had not in fact ended up in the account at XXXX XXXX XXXXXXXX as of XX/XX/XXXX. I had alerted Citibank of the fraud on XX/XX/XXXX ( as confirmed in the attached letter from Citibank ) so it appears that the funds transfer was successfully stopped? BUT, nine months later and after innumerable telephone calls and letters, Citibank has not credited me for the {$5600.00} that they removed from my account. Where are those funds?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened this saving account with Citibank in XX/XX/XXXX, and I transferred XXXX dollars from my other bank accounts to this new account. And right after that, this new account was 'blocked ' from me and I could not get access to it. Then I immediatedly contacted Citi bank services by phone call, and their security department told me that my account has to be closed, but they refused to tell me the reason. And I was tole the fund in the account would be sent to me by check within 60 days. But after that I didn't receive the money or any further notifications. In stead, I still received account statements on paper every month. So I called Citibank service again, and told me the same again : they decided to close my account, and the fund will be sent to me within 60 days. Then I still didn't receive anything. I don't really remember how many times I have called, but the most recent one is in XX/XX/XXXX. Every time I call, they told me the same thing and they promised I would get my refund, but nothing happens after that. I still receive the paper statements, and the balance has not changed since I deposit the XXXX dollars. Now I even lost the access to my Citi bank credit card since it shares the same user info with the saving account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47906
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I refer you to my prior complaint XXXX. This was a complaint against City Bank who refused to address an erroneous or fraudulent {$1000.00} charge on my credit card. Once you got involved they almost immediately reversed the charge. They did not, however, address the interest and fees they applied based on the erroneous charge. They are still charging interest and fees and refuse to address the issue. All of this interest and fees are based on that {$1000.00} charge. I have paid any charges that I actually incurred in full every month. I have monthly statements from Citi as well as my bank verifying those payments. I've talked to Citi personnel on the phone and have sent them letters. They have also filed derogatory reports related to my credit. They have harassed me at work, on my cell phone, on my home phone and through emails. I hate to bother you with this but I'm at a loss as to what I can do and thank you for any assistance you can offer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I deposited {$1700.00} and Citi flagged my account for closure soon after for no apparent reason. I've already filed a complaint but it has been two months since the deposit and Citi has taken no actions towards the recollection of my check nor has my account been closed. I made another complaint recently but it was taken down as a duplicate even though Citi hasn't resolved my issue. In the company 's response they mentioned the account closure takes 30-60 days and it has already been that long.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01876
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: HI This is XXXX, I am using Macy 's credit card. I had a payment due, which was to be paid by XXXX XXXX account by autopay. I paid money by XXXX XXXX XXXX account due to less balance in XXXX and it was done by autopay only. Their system didn't cancel payment from XXXX. Even after all payment done, Macy ; s credit card was trying to get momey from XXXX. I got a mail today and checked my XXXX account and there was balance of XXXX due to Macy ; s system trying to get money. I talked to MAcy 5 days back and they said, they got extra money and will send my check of that. How come a credit card company, with XXXX balance trying to get money, Big system failure I want Macy to reimburse me for charges done by XXXX. Top of it Macy already charged my XXXX dollar for bank refusal, well there was XXXX balance on my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
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 rewards from credit card
Consumer Complaint: On XX/XX/2023, I went to Best Buy located on the XXXX XXXX XXXX XXXX XXXX XXXX to purchase various items. While inquiring about an application for a credit card that can only be used in the store, the representative filled out an application and informed me that I qualified for {$5000.00} of credit. I specified multiple times that I wanted this card for the 10 % reward promotion on my first purchase, which is why I bought {$4900.00} worth of merchandise that I urgently needed for work. When the representative completed the transaction, he informed me that instead of a 10 % reward, I would receive only 5 % and that not all items qualified for the promotion, despite initially stating that all items did. He offered me two options - 12 months interest-free or 5 % reward- and I chose the 10 % reward. However, he then informed me that I could only apply for the 5 % promotion and that it was interest-free for 12 months. He assured me that I would still receive all the rewards for my first purchase even if I paid everything before the 12-month period. I asked him twice to confirm this information, and he said it was true. I believed him and made the purchase. On XX/XX/2023, I contacted customer service about a defective item and asked about the reward information. The representative informed me that I would not receive any rewards because I had chosen the 12-month interest-free option. I explained the situation to every employee I spoke to in hopes of getting some assistance, but none of them could help me. Their solution was to return everything and redo the transaction, but I would no longer qualify for the 10 % promotion. This is unfair because I went to Best Buy specifically for the 10 % reward promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79904
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: THere are charges and fees and interest charges on purchases that have been returned to BEst Buy on my statements. I have complained, faxed, called, written letters and there's no relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: It started when I was booking reservations with American airline flight. While I was reaching the balance to pay an ad window came promoting a credit card application with CITI bank and receive {$300.00} discount on the balance and some free miles. I applied and approved instantly most likely because I had good credit score. However, the discount promoted was not applied to the balance instantly as it appeared in the ad window. When I came from the trip, I received the first statement. Reflecting the total balance with no discount. I called CITI bank customer service and was told it will be reflected next month or after the next, they said " sometimes it takes time to be applied and I should submit the monthly due. XXXX I did but months later I still never successfully any resolution even I requested investigation and bouncing back and forth between Citi bank and XXXX XXXX. Every time I called, I got the run around by Citi bank agents. This started back in XX/XX/2022. Current balance XXXX with added fees and interest which didn't plan on accumulating. I would have paid my total balance if it was should have been after the discount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A