Date Received: 2023-04-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citicard closed all of 3 of my accounts when only 1 had an overdraft due to a banking issue. This led to me losing rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: In 2018, I made a payment for {$4000.00} and it was never reflected on my credit card balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: saying I only had XXXX in debit purchases and I needed {$750.00}. But I had {$750.00} in purchases. They are not giving me the promised miles.
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: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Working with Citi, we had taken advantage of a balance transfer with the promotional period having 0 % interest expiring in XX/XX/2023. As we were making payments they offered an additional balance transfer promotion with 2.99 % interest. When we received this offer, we contacted them to see how it would work having two promotional programs active. We were assured that we could finish paying off the 0 % promotion that ends in XXXX of 2023, and then pay the other balance off. We made a payment in XXXX of 2023, and Citi split the payment between the 0 % and the 2.99 % promotional balances. When we contacted them to pay off the 0 % in XXXX completely, they advised that it was impossible. We were told the federal law says you must pay the higher interest rate off first before the 0 %, and there was no way around that or the IRS would get involved against Citi. When we questioned the representative about how this is essentially setting people up for failure to pay off the 0 % promo balance without incurring the deferred interest, were were met with essentially, tough as a response. When we questioned why then was the last payment split between the two, which in their words violated federal law and should be reported, we were met with resistance and anger. Upon further pressing and advising that we would be reporting this incident ourselves, the manager stated he would extend the 0 % promotion for 12 additional months. While this may have resulted in a positive outcome for us, this is deceptive and inappropriate business practices. Some folks my not be able to advocate for themselves with a positive result and it should be looked into.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Hello, About 5-6 months ago, I tried to cancel my card before the annual fee was issued in it. I contacted Citi, and they closed the card. Not the account. I didnt have access to my online portal. Upon coming back from vacation, I noticed I had mail from Citi saying I didnt pay. I was worried because I didnt wan na ruin my credit score. I instantly tried to go on my citi account online and pay even if it isnt my fault. But I didnt have a card anymore so I couldnt reset my password and make the payment. I contacted citi via the phone and the customer service rep told me not to close my card, he solicited me to keep my card and that Ill get a XXXX XXXX credit to use which will offset my XXXX XXXX balance. I said okay thats fair, and ordered a new card. I tried using the card and it got denied. I contacted citi again and yet again they confirmed I just need to use XXXX XXXX and the balance will clear. I tried using my card again and still nope. And this final time I spoke with citi just now, the guy was threatening to report me for refusing to pay my bill. They misinformed me multiple times and this is affecting my credit score. I dont know how to report them for constantly giving me different information but this has been exhausting and frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11370
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023 I left the United States of America and traveled to XXXX XXXX when I got here citi credit card was flagged as fraudulent I called the company and they said they can not reactivate my account because I don't have the phone number associated with the account or access to my old address because I don't live there right now I literally have everything else my birth certificate social security card passport everything that you can imagine except those two things so they locked me out of the account and they said that there is nothing they can do to help me I've exhausted every other possibility and I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: ATT citi bank card was opened in my name. I contacted the company and they said they would look into it. The next day I received more emails detailing them setting up online banking and the card was on its way
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a Citibank credit card on few occasions in last 6 months based on the invitation code received from Citibank in mail, during the application process the system keeps on hanging and I get a refusal, I called Citibank helpline and the officer instead of looking into the issue hung up on me and said that never apply for citi card again. My question is why Citibank has to make fake promotions if they do not want to honour it and continue hurting an individual credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I tried accessing my CITI bank mobile app and website. I couldn't log in. I called customer service and they said there is a BLOCK on my account and forwarded the call to the fraud department. They said there is an incoming transfer that is marked as fraud. But I have all the evidence that I made this transfer from my financial institution. In fact, this is the third transfer that I did to this savings account from the same financial institution which is called " XXXX '' Now, I have checking account as well. Even that I can not access and it has funds and even that was deposited by me from other financial institution. So please return my all the money in both checking and savings account. Attaching my proof of transfer to my Checking account and Attaching my proof of transfer to my savings account and also proof of XXXX account that belongs to me which is used to transfer to my savings account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$500.00} electronic gift card from Macys from a relative. Since I preferred having a physical card that I could keep in my wallet, I went to my local XXXX, VA XXXX and asked them to convert the electronic card to a physical card. After much reluctance on Macy 's part, they did not. However, a few weeks later, I tried to use the new physical card but was told that it had a XXXX balance. I also checked the balance of the old electronic gift card and it also had a XXXX balance. Therefore, the staff at the XXXX, VA store - due to fraud or negligence - lost the entire {$500.00} amount during the conversion process. I have called Macy 's multiple times but the representatives said they could not help. Instead, they referred me to an email address. After a delay of nearly two months, I received an email cryptically saying that Macy 's can not help with this matter. There was no explanation or discussion and no way to further contact Macys about this matter. Macy 's owes me {$500.00} and I intend to pursue all legal remedies to recover that amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A