Date Received: 2023-04-15
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 an " accelerate savings '' account with Citibank back in XXXX of XXXX ( because it had a good interest rate for my savings ). I never asked for a debt card, and was never told I would receive one. One day I try logging into the mobile app to pay off my credit card, and before I could login it asked me for a debt card number. This is when I found out they were going to ship me a card, but hadn't received it yet. I called them, and they said it's probably in the mail still. I waited a week or two, and on XX/XX/2022, I got an EMAIL asking if I made {$5100.00} in transactions ( 13 total ). I was furious, because I never got a single call. The first transaction on this XXXX card was on XX/XX/XXXX. I disputed it, a week later it was denied. I contacted the XXXX XXXX Sheriff 's department, and got in contact with deputy XXXX XXXX, and got a case ID number XXXX. He started working on trying to get camera footage at the XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX they visited, because all the other places delete the footage in a XXXX short time. I disputed time after time, eventually I tried to get Citibank to contact my deputy, they said to have XXXX call them. XXXX called them numerous times, and those XXXX people said " no one but the card holder can contact us about the account ''. Citibank asked for numerous documents from me, and I sent them everything including a scan of my driver 's license. Eventually I went to speak to the XXXX XXXX XXXX XXXX XXXX manager for myself, and they said they couldn't give me the footage without a subpoena. I asked them if they could save the footage and just not give it to me, but apparently they wouldn't do that either. A while later ( maybe a month or two ) I find out the casino doesn't hold onto the footage for as long as the deputy was told ( 6 months ), but rather they hold onto it for 3 months. Currently I am on the XXXX or XXXX dispute with them ( I WON'T STOP ), and they deny every single time, saying I had the card in my possession, when I freaking didn't. I was promised I would get the full amount back and the case has been resolved, and I would get a check in the mail in 1-3 weeks. It's been over a month and a half now, and now they're saying I won't get it back. I am currently XXXX, I'm not even allowed in a casino! This bank has to be held accountable! I deserve compensation not just for the money I worked hard for, but for the time of mine they wasted! I've called them probably 100+ times since last XXXX. I WANT MY MONEY BACK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: FRAUD. THIS CARD WAS OPENED FRAUDULENTLY UNDER MY NAME. I AM A VICTIM OF IDENTITY THEFT AND I WANT THIS CARD THAT I DID NOT APPLY FOR REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, CITIBANK, XXXX, FL. I opened the Citi Priority financial products Interest Checking and Citi Savings. On that occasion, our go-to banker at Citibank offered a cash bonus for the opening of our Citi checking accounts, in the amount of USD XXXX for maintaining a minimum deposit and balance of USD XXXX in our accounts, within 60 days after the date of opening the account, condition that I fulfilled and currently maintain. However, as of today XX/XX/XXXX, Citibank has not complied with payment the bonus cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34116
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a citi bank savings account using a {$450.00} bank bonus offer that was targeted to me on XX/XX/XXXX and made a deposit of XXXX within 20 days by XX/XX/XXXX as per the conditions of the offer. Per the conditions of the offer, I kept XXXX in the account for 60 days which ends on XX/XX/XXXX. Per the conditions, I should have received {$450.00} bonus by XX/XX/XXXX. I contacted the customer care after XX/XX/XXXX and they told me that I have completed all the conditions of the offer and should be getting the bonus. He raised a ticket for it as well. When I contacted them again in a weeks time, i was told that the savings account i opened was not eligible for the offer. This seems to be some kind of scam to fraud customers with the bonus. I used the link provided by the bank on my app to open the account. How can my account is not eligible?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX XXXX 2023, I opened 2 online account via Citibank online, transferring XXXX and XXXX respectively to checking and savings accounts, waited 5 days for the funds to clear and then tried to create 2 Certificate of deposits to 90 days and 30 days, which I Attempted to fund but was unable to fund for some unknown technical reason. I called Costumer service and someone explained that those CD were faulty and were going to disappear after a few days and he created another for XXXX which was to be funded in 5 days, he also transferred all the monies in the savings XXXX back to checking. On XX/XX/XXXX, I intended to complete all the features of checking account and created a XXXX XXXX to myself and attempted to transfer back XXXX to my XXXX account, at this time I got locked out of the account, claiming security reasons. I spent 2 hours on the phone and was able to unlock. Next morning, Friday XX/XX/XXXX I attempted to log in and was completely blocked again, I called and was informed that the accounts were in process of being closed and it would take 6o days to get a check in the mail. I went in person to a nearby branch and Costumer service XXXX XXXX attempted to unblock the accounts unsuccessfully and online Security and Fraud Prevention dept were unable to give a reason for the closing or a legal basis for not disbursing the funds immediately. Manager, XXXX XXXX intervened and after a 3 HOURS was able to unblock and I was instructed to create a new username and password, issuing a temporary ATM. We verified that it was unblocked at the bank. I received an email from Citibank indicating all was good and the attempted XXXX transferred funds to my XXXX account was released. This morning Sat XX/XX/XXXX, I attempted to access my accounts and I am again blocked, I called the number indicated and they claim no know nothing of the reason. At this time they are holding XXXX in a 9 month CD, a credit card I had for 7 years and XXXX in a checking account. I am unable to access my accounts or get information about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Citibank sent me a letter stating that they needed additional information 'regarding my application ' on a card that I didn't apply for. When contacted them with the number provided, they just approved the card with no way for me to dispute it. I tried to contact their fraud department, but was caught in a Catch-22 because they want my card number, which I don't have -- because I didn't apply for the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
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 Mastercard did not resolve my credit card dispute of {$1100.00} with XXXX stating that Mastercard imposed strict guidelines on the time limit for investigating disputes but they did not provide those guidelines. Subsequently I have looked up Mastercards guidelines for filing a dispute and it is 120 days from the time of the charge OR the expected delivery date. As you will see from the dispute material that I sent to Citibank on XX/XX/XXXX ( on page 11 ), the estimated delivery date was communicated to be XX/XX/XXXX. Thus, I filed my complaint less than 90 days from the communicated delivery date. Citibank has drawn this out for months because they did not closely review the material that I had submitted. I filed my complaint within the XXXX time limits. I need Citibank to honor their buyer protection and refund me for this charge. Please read the submitted documentation closely!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Tuesday XX/XX/2023, out of nowhere my account was blocked and I was unable to login or check any of my account information. I was then told by a customer representative that I would have to wait until the next morning for them to fix the issue with my account and the security will unblock it and I will be able to continue using my card and account like normal. Then XX/XX/2023 I called the customer service line again at XXXX within business hours and after getting ahold of a representative and specialist they said they were able to unlock my account and I would be able to use it in about XXXX minutes. I waited 30 minutes to try to login again, but still my account was block. I waited another 30 but even after I was still unable to access my card. After the attempts to use my account had failed, another call was made to customer service. They had told me everything was clear and fine on their end and there should be no issue with my account. After waiting 2 hours I attempted again, and still to no avail, nothing had changed. Because of the continuing issue I decided to go to the CitiBank branch in person to see if I could receive any help there. Once a bank teller was able to see me and try to access my account from their end, they had told me my account was still completely blocked and CitiBank was in the process of closing my account which I had made less than a week before. Not only was all my money locked in the account, but this card was my only source of income holding. As not only my work checks but bills all go through that account. The bank teller and I had called customer service again but gave us the same answer and had said there was nothing wrong with my account and that they didn't close it. The representative kept insisting on nothing was wrong, even though the bank teller kept telling them that I was blocked and nothing was changing. After 45 minutes of waiting for an answer from a specialist, the response given was, '' We can not access your account, call this new number. '' Now at the moment I have to call again in the morning, but the main issue is that not only was this account my only source of all my income in one place, as well as them closing my account with no notice or any call. Nothing had been communicated to me and they gave me false answers consistently for the past couple of days. It truly is not only upsetting but truly stressful and aggravating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XX/XX/ tried to get a reason why my account was closed after many failed attempts in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a check account XX/XX/2023 funded the account through XXXX XXXX time i swipe card fraud alert came which blocked the card..so everyday i was calling after swiping card also verifying it was me so on Tuesday XX/XX/XXXX around XXXX i wired my sister who is out of town XXXX never received it nor did it come back to my account..so they closed my account Thursday XX/XX/XXXX because of wire which I stated I made the transfer ..they told me my account was under review for XXXX and whatever belongs to me will be sent via check to address on XXXX XXXX see my wire transfer in my account only my remaining balance in account for {$3000.00} so where did my other XXXX go? they wouldnt give me no information at all ..why do i have to wait that long go get my money..my total in my account should be XXXX have bills i cant wait that long also everything in my account belongs to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A