Date Received: 2023-04-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is my second complaint Citibank says I have to wait to receive correspondence in the mail. Ive already received it and verified myself over 10 times. Yet still my card doesnt work
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had my Citibank card since 2010- over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. I would like my account reopened and my APR put back to what it was. Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. MACYS/CBNA reporting a charge off account for amount {$17000.00}. XXXX XXXX XXXX is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I opened a Citi Accelerate Savings account and I went through the online account opening process and deposited funds into the account. A few days later, when I tried to log in to my Citi online account to make a payment to my Citi Credit Card, I received a pop up message that I must active a debit card. Since I had not received my debit card, I clicked on the Cancel button but instead of letting me continue with authentication it took me to a generic home page for unauthenticated users. I was basically unable to login in to my online account because I had not yet received my debit card. 10 days later I had still not received my debit card and I could not still login in to access my accounts, my statements, make a payment, or anything, When I called the support number I was instructed to go a branch, but there are no branches even within 100 miles of me. Its been 40 days now and I still do not have access to my online account and nor have I received a ATM or debit card to activate. Im basically locked out of using my online account and own funds. If I even try to close my account and have a check mailed to me, they want me to travel across multiple states to a branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48168
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
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 have reported 3 times to Citibank Dispute department since XX/XX/XXXX. Initially there was a charge from XXXX XXXX XXXX online website for {$130.00} in XX/XX/XXXX on my card ending in XXXX filed a dispute with Citibank and closed my accountand they issued a new card ending in XXXX. They reversed the charge in XXXX. Then the company sent a document stating I made this transaction XX/XX/XXXX with a delivery confirmation page. Citibank reversed the charge of {$130.00} back to my account in XXXX and closed the dispute. I contacted them in XXXX to re-open the case which they did and reversed the charge again. In XXXX I received a letter stating XXXX XXXX XXXX XXXX had proven I made a purchase of {$130.00} from their store XX/XX/XXXX. I was completely frustrated so I decided to do my own investigating by reading these documents ( 11 pages in XXXX and 14 pages in XXXX ) that where sent to me from Citibank from these fraudulent companies and this is what I found XXXX XXXX XXXX XXXX which was originally XXXX XXXX XXXX, purchase of {$130.00} is seemingly the same purchase. It seems XXXX XXXX XXXX purchase of {$130.00} was made on XX/XX/XXXX but the same purchase was made at XXXX XXXX XXXX on XX/XX/XXXX for the same {$130.00}. The description of the XXXX XXXX XXXX is stated under Company and Product Description as an online site that sells a wide range of jewelry products ( page 2 of 11 that was sent to me from Citibank on XX/XX/XXXX ). It also states at the bottom of the same page, Line 11, that the customer could return the unused portion within 30 days of the item being shipped ; this is a jewelry store, how do you have an unused portion of a piece of jewelry? As for XXXX XXXX XXXXXXXX XXXX and Product Description is a SHOWROOM that sells a variety of beautiful jewelry, which suggest that I would have had to physically visited their showroom to make this purchase ( page 3 of 14 that was sent to me from Citibank on XX/XX/XXXX ). I also also noticed on that same page Line 7, that unused portion had been deleted and re-worded as an error or defective product. The compelling evidence that was sent to Citibank listed THREE different tracking numbers for the same item that I never purchased or never received. I decided to log onto XXXX to do a tracking search on all 3 tracking numbers listed on page 6 of both documents from XX/XX/XXXX and XX/XX/XXXX. ALL tracking numbers state the LABEL was created but no update available until item has been received at USPS on ALL 3 tracking numbers. USPS NEVER received the item and neither did I. I NEVER purchased anything from either of these fraudulent companies. This claim has been reverse twice. Citibank gave me a refund of {$150.00} that I was told included taxes and interest on my XXXX statement which left a balance of a negative - {$18.00}. Then Citibank reversed my credit and added the {$130.00} back to my account and added the negative - {$18.00} which left me with a balance due of XXXX XXXXXXXX and a threat of being reported to the credit bureau for not paying this fraudulent charge.I had a payment due XX/XX/XXXX for {$41.00} which I did not pay. I have called and spoken with numerance people regarding this matter. but I am sad to say this charge is still on my account. I have been told this could take anywhere to 3-5 days or 30 days to be removed. Today I checked my account and now it's delinquent and I owe {$82.00} payment and a balance of {$150.00} due to a late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX, I tried to activate new AA Citibank Mastercard. Very difficult because citi has used my ex work number ( XXXX ) as my primary number. I can not set up account or do anything because the system wants to send verification to that number. It is not the mobile number that was used for verification. I called, did online chat w XXXX, sent messages through XXXX XXXX. No one will resolve the issue. XXXX Had conference call and told 24-48 hour resonse time. A letter from them has me call for security verification, but I can not get help. It seemed just a regular phone line for credit cards. I have explained this mistake of theirs multiple times. I have wasted hours and gotten very upset. Citi has been unresponsive and impossible. Screenshots of some emails attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Exxon Mobil/Citibank is reporting inaccurate information to the Credit Bureaus XXXX I disputed this information with the Credit Reporting Agencies who report that Exon Mobil/Citibank attest that the reporting of the account is accurate. To that end, I disputed the item directly with Exon Mobil/Citibank and they again attested that the reporting is accurate. The account is listed as having been closed on XX/XX/XXXX. This closed account was listed as 120 days late two months later in XX/XX/XXXX. The account also is listed as both Settled for Less Than Full Balance and Paid in Full, the account is in fact Paid in Full. As stated, Exxon Mobil/Citibank has now verified that this reporting is accurate with the credit bureaus and all subsequent responses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In the past five years, I have applied for a credit card from Citi Bank ( Citi Group ) three times. I have been denied each and every time for no reason. They have sent me a letter of denial with ambiguous response and violated my rights to a Fair and legal consumer trearment. My Credit score has been excellent throughout my life ( over 800 with all three major credit agencies ). They had even sent me a letter a couple of years ago with rude comments and accusations. I have currently have many credit cards from largest financial institutions and banks. It has bothered and puzzled me through last five years why Citi Group is treating me like a second class citizen and violating my consumer rights by denying me credit, while many other banks have offered me and are doing business with me! I can only conclude that Citi Bank is a racist entity and their decision of denial is based on my race and national origin. Bests Regards, XXXX XXXX XXXX Timber XXXX XXXX Loxahatchee, FL. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone ( still unidentified ) applied for a credit card using my name, address and social security number from both Citi and XXXX XXXX. Both applications were denied, so a card was not issued, however my identity was stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74074
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Best Buy Citi card, unwanted fee XXXX XXXX XXXX They signed me without explain, over 10 years. Tried call them cancel it but not guarantee for refund. They charged {$17.00} for over 10 years more than {$2100.00}. I did not notice until now buy called them to cancel it but still charging.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A