Date Received: 2023-04-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear Sirs, During my visit to XXXX last XX/XX/2022, I opened a joint checking bank account with my companion, a US Citizen at Citibank N.A, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX was the handling officer. We informed XXXX XXXX that I was a XXXX resident and my companion, a US citizen, both residing in XXXX, XXXX. My stepson a US citizen as well, was also added to the account to facilitate communication and access to the bank as he resided in XXXX. I have since regularly sent all or part of my monthly paychecks from my XXXXXXXX XXXX acct. In XXXX, via their corresponding Bank, XXXX XXXX, to my Citibank account to cover my expenses and those of my family and our visa card payments. My account was blocked on XXXX XXXX, after a transfer from my XXXXXXXX XXXX account to my Citibank account. To date ( two months have passed ), we have continuously attempted to contact the bank customer support and visit the branch. However, we are constantly ping-ponged around and unable to get a clear answer as to why the account was blocked and what needs to be done to recuperate our funds. During our last visit ( XXXX of XXXX ) with XXXX XXXX XXXX, the present branch manager, he could not provide a concise explanation or resolution despite his kind and genuine attempts to help. We kindly request your assistance in understanding and attempting to resolve this issue so we can recuperate our funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I'm in a difficult situation because Citi bank is holding my {$75000.00} and closed my account without returning my balance for the past two months. I opened a savings account with Citi bank in XX/XX/XXXX, and deposited {$75000.00} to earn their promised cash bonus of {$1000.00} after keeping it there for 90 days. On XX/XX/XXXX, after completing the 90 days, I tried to withdraw some of my money to another online bank. The next day, I noticed that Citi bank had rejected my withdrawal transaction and locked my account instead. My account became inaccessible, so I contacted their customer service, and they informed me that they had decided to close my account due to security concerns. They said that they would send me a letter with an explanation within 30 to 60 days and a check for my balance thereafter. It has been 60 days since I was informed of the account closure, but I still have not received any letter or my money back. They have also not paid me the promised {$1000.00} cash bonus. I believe that Citi bank purposely locked my account and has been using my {$75000.00} for five months now. Could you please help me with this situation? my account information in Citi bank is Account No : XXXX Name : XXXX XXXX Cell phone : XXXX Addr : XXXX XXXX XXXX XXXX, XXXX, CT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Citibank is engaged in deceptive advertising for opening new checking accounts. They mailed a flyer stating if you open a new checking account and maintain the balance for 60 days they pay you a bonus based on your deposit tier. The details which are buried in fine print states they don't count balance days until after 20 days and then reserve an additional 30 days to pay out the bonus. Additionally you must keep you account open until the bonus is paid, so in effect if you open and deposit the same day as I did, they are holding your funds for 110 days ( XXXX ) before you get the bonus. There is no technical reason why they couldn't automatically pay bonuses on the XXXX day of the required balance. These gimmicks are intentionally deceptive to catch consumers off-guard and tie up funds for 110 days all the while claiming " 60 days ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47715
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Citibank XXXX XXXX card had the credit line lowered to XXXX just yesterday on XX/XX/. I just made a payment on this card of XXXX on XXXX and now the current available credit is just XXXX, extremely close to the new lowered limit. Citi lowered my credit limit SIGNIFICANTLY because they claim they checked something on my XXXX credit report and made this decision. I have NEVER missed a single payment on any of my Citibank cards, I have always paid more than the minimum and have never had ANY issues. The only thing that changed on my XXXX credit report was charges to get my automobile fixed after a collision, I charged XXXX on another Citi card in the past month. This reduction WILL negatively affect my credit score now as it APPEARS I have used up 100 % of my credit line, which is erroneous and only occurred because Citi arbitrarily and without warrant or merit decided to lower my credit line because of nothing that happened on this card. I first tried getting online with chat to ask about this and " XXXX '' told me that he had no information and gave me the number to XXXX, I did not NEED the number to XXXX as they are not the ones who lowered my credit limit. I told him I wanted to talk to customer service- I called customer service on the back of my card to ask to have my previous credit line restored and when I got a hold of someone I said that I wanted to talk to a supervisor, but was told by the customer service representative " XXXX ' on XX/XX/23 that they could not speak to a supervisor because their " Credit experts '' are the ones who made the decision to lower my credit line, he said I needed to wait on the letter from the company. I told him that the email says why this was done due to something on my credit report - I did not need to wait for the letter, I already understand this is something on my report not directly related to my actual card, but rather something the " experts '' decided was a reason to lower my credit line. I asked to speak to someone who could rectify this, he refused to transfer me to these " experts '' and would not let me speak to a supervisor, he said they do not make any decisions, at which point I was irate with this and hung up. I am very upset at this and do not feel this is justified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I noticed 3 unauthorized pin based transactions on my account and contacted Citibank to dispute. The provisional credit was reversed and my claim denied. I was told to write a letter to appeal my claim. The transactions occurred in places where I have not been. I dont use my debit card for purchases and havent in over a year and despite this the bank felt that the transactions were consistent with my normal banking. I have faxed the letter every week for 6 weeks with no response. I have also called numerous times and get bounced around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: citi bank i closed this account, they did not close it, and billed me at a XXXX balance once again for the sum of XXXX next year and tacked on interest called them 3 times to cancel, they only cancelled the card on the third call and billed me for the interest of having the card renewed .at no time was I late for any payment only an interest charge of a renal fee i did not want and told them it was cancelled. this is hwy robbery to charge a fee for renewal when already the card was cancelled, and then charge an extra fee for interest, there was never a late fee for any purchases or use of the card. my credit score has always been closer to XXXX and this is the only item that is completely bogus would never bank with Citi again use them in any way
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94024
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Starting in XXXX of XXXX I was getting fraudulent XXXX charges on my ciitcard account. I didn't notice until about XXXX. I called XXXX, the account was NOT my account that the items were being sent from but somehow, XXXX had a different account with my name, address, and citi card number on it. I never got any items but go charges. XXXX could not shut down the account because I was not the primary account holder and didn't know who it was and they wouldn't tell me. They said I had to go through citi card. I called promptly online put a freeze on my account and called citi and reported the fraud and cancelled the card. However, before I fully realized what was going on, there was one charge for approximately XXXX that I " disputed '' on the app because I had no idea what it was for. Citicard issued me a new card, BEFORE the card even got to my house and was activated, there were NEW XXXX charges again from the fraudulent account. Somehow a locked account was charged. I promptly called Citi Card, cancelled my entire account! Still though additional charges came from the XXXX account. I have spent hours on the phone with citic card trying to get the charges reversed. I was assured by the agents that interest and late fees would be refunded as well. Most of the charges now have been reversed from the XXXX charges. I finally filed a XXXX complaint about the rest. On XX/XX/XXXX I spoke with XXXX at the executive response unit department. She admitted on a recorded line that the XXXX was a fraud charge but because I had clicked a dispute on line, they couldn't refund it. She didn't know how to make the computer refund me my money. She also couldn't give me a supervisor name and claimed she reported to the Citi XXXX XXXX XXXX but she said her name was XXXX XXXX! She also did say XXXX late fee and interest was removed but that is not reflected currently on my account. The interest of XX/XX/XXXX from XXXX and XXXX from XXXX all need to be removed. Due to their lateness in removing late fees and interest it did compound and make it impossible to tell what was a new charge that was legitimate versus older ones as they refunded and re charged me them many times over. I want my XXXX, XXXX, and XXXX removed and no further accumulation of interest. I can no longer get into my on line account and haven't gotten statements in three months as I no longer have a card number to log in with! They claim I still owe after that XXXX with no proof of what charge it is for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I contacted via chat to get a direct deposit form on XXXX XXXX so that I could have the funds from my IRA deposited to my account. I was told that it would take about 10 days to come via e mail. I contact ed them again on the XXXX XXXX and through that weekend to check and see if the form was coming? I called customer service on the XXXX XXXX to check on the direct deposit form and I was told by the lady that she would send it out via e mail asap, and she would send a hard copy overnight mail. I received the e mail on XXXX XXXX but it was for a withdrawal form, not direct deposit, and I never received a hard copy via overnight mail. So I contacted someone again via chat and got a web address for a direct deposit form. I sent that information in. XXXX XXXX sent the information in and said that Citibank would not let them directly deposit the funds into my account, we tried from XXXX to see if they would go through. Because I didn't get the funds into the bill that I had due on the XXXX XXXX, I ended up having to pay an extra XXXX because I missed the deadline. I asked them on them to send me a complaint form to my e mail and I never received that. I ended up having XXXX XXXX send me a hard copy of the check, which I received on the XXXX XX/XX/2023. I deposited remotely the check on the XXXX XXXX. XXXX. I deposited 2 checks. I was told that since they were over a XXXX that they wouldn't be available until the XXXX XX/XX/2023. Now I have the same bill due the XXXX XXXX. And they expect me to wait. I am not going through this again. I have called and chatted with citibank, and they keep putting me off and telling me that i can't get the funds until that day. I am just done with this bank. Everything they do is uncustomer service like. They are the worst. and don't seem to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84321
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Moving forward, I would like this account to be taken care of with a balance reporting as {$0.00} and in good standing, as well as {$1000.00}, dollars per violation, otherwise, I will file litigation. To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Citi Bank N.A. : XXXX XXXX to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$1300.00} and late payments reported by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including XXXX, and XXXX ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete. Please provide me with the below-mentioned items : * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the XXXX XXXX provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/XXXX, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A