Date Received: 2024-03-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I booked flight tickets through CitiTravel, which I purchased using partially on my credit card ( {$460.00} ) and the other portion was paid for with XXXX Citi ThankYou Rewards points ( equivalent to {$920.00} ). Within the XXXX hour window for cancellation I realized I needed to change my flights, and the only way to do so was the cancel the booking, which I did promptly and well within the XXXX hour window. I was promptly refunded the {$460.00} back to my credit card, but I never received the ThankYou Rewards points back to my account. I called CitiBank on XX/XX/XXXX to find out why my points had not been reinstated and I was told that it would take up to 30 days for the refund to be processed from the date of that phone call ( XX/XX/XXXX ), not XX/XX/XXXX, the day of the cancellation, because the department was " backed up, '' and that there was " only one person processing all Citi ThankYou Rewards point refunds '' for the whole company. Because I no longer had the XXXX rewards points available to me, I had to pay out of pocket to re-book my flights which was an burdensome expense I had not expected to have to pay when planning my trip that was originally booked using Rewards Points. XXXX days later the points were still not refunded and I contact CitiTravel again. I was told to wait another XXXX days. It has now been XXXX days since I cancelled my original flight booking and I am trying to plan another trip, for which I would like to use the XXXX points that I accrued throughout XXXX, and which should have been refunded upon cancelling my booking within the XXXX hour window on XX/XX/XXXX. The sum of money that those points are equivalent to, {$920.00}, is quite a lot of money for me. That amount of money could cover the entire cost of travel for me, but I am unable to use those points because Citi has not refunded them to me. This week ( XX/XX/XXXX ) I spoke to another representative from CitiTravel for what I believe was the XXXX time since XX/XX/XXXX ( I have lost count of how many representatives I've spoken to at this point ) who requested my credit card statements from XXXX through XXXX for proof that my Citi ThankYou Rewards were never refunded, and that I would hear back in XXXX hours. I sent my statements as requested, as well as documentation of the booking ( XX/XX/XXXX ) and the cancellation ( XX/XX/XXXX ) of my flights, with the amount credited back to my card that had been paid out of pocket, but no indication that Rewards points were ever reinstated. Since that last exchange, XXXX hours have passed. It has been 78 days since I cancelled my flight. I am still missing the refund from my flight cancellation on XX/XX/XXXX for a total of XXXX Citi ThankYou Rewards and I am unable to book another flight without them. The failure of the Citi Travel Department andThankYou Rewards department to refund the Thank You Rewards Points that I accrued over time is entirely unacceptable. The fact that nobody has been able to connect me to a supervisor, or was willing or able to escalate the issue represents a systemic issue within the department. Citibank, by failing to refund me XXXX in a timely manner, has essentially withholding {$920.00} from me in Rewards Points since XX/XX/XXXX, without appropriate explanation or action to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had a banking relationship with Citibank for 20 years + all of the sudden they decided to close my banking relationship and blocked all my accounts including access to my credit cards. I attempted to contact them, but they keep me bouncing from one department to another without providing me with a solution. This was the most horrific client experience I DO NOT RECOMMEND CITIBANK FOR ANYTHING. Their compliance department lacks knowledge and understanding risk. Lastly, Citibank informed me that it will take 30 to 60 day to have my funds release.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A home Depot credit card, that I acquired in XXXX, the final XXXX numbers are XXXX. The last time I used it, was back in XXXX, I paid off the balance, and got rid of the card, breaking it, and disposed it, in the garbage can. I have never applied for another card. I have been receiving, phone calls, from XXXX XXXX claiming a debt, of XXXX XXXX approximately. I was able to recover the account online, and I found out, that several transactions were made in different stores, located in New York. I have been living in XXXX, since XXXX. I also noticed, in my personal information, an address, also in New York, it looks like Citibank, sent a new credit card, to this scammer, or organize group of criminals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on my Citi credit card on XX/XX/XXXX, I also made a payments on numerous other accounts at other banks, all payments were received by other banks and debited on my checking account, except for Citi which they claim was returned by XXXX?? I had over {$8000.00} in my checking account on XXXX, this payment to Citi was {$50.00}. I called Citi today XXXX and they would not take any action to credit me with this {$30.00} returned check fee. I also made another payment of {$50.00} XXXX to make up for this " returned check '' and It cleared XXXX today. I want this erroneous fee credited to my credit card. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a Best Buy Citi credit card. I see that instead of pulling my credit one time, they pulled it twice. Once on XXXX/2023 and the next day, on XXXX/2023. I did not apply twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I got divorced last year. I was an authorized user on several credit cards in her name. All of these companies allowed me to call and have myself removed except for Citibank. My wife has a delinquent, closed account with Citibank which I am an authorized user of. I have called multiple times over the past year and even sent a copy of the page from our XXXX which states that the account is her responsibility and that I can not be held liable for the debt, but Citibank refuses to remove me from the account and it is adversely affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27517
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citibank Business Credit Card customer service says they issued new cards because my card was going to expire soon. Today 's date is XX/XX/2024. My card expires XX/XX/2024. XXXX months away. The policy is that the card is active until the experation date. They tell me I will receive a new card in about 10 days. I have not received any notifications that my card is not active and they are sending me a new card. I have used the card for minor purchases today, but when I tried to process an order for a client in the amount around XXXX, with an open limit of XXXX, I was declined. Citibank would not allow the charge to go through. I will have to wait for my new card. I have international business travel tomorrow and my business credit card will not work while I'm travelling. Whoever heard of keeping a business from it's operations! I plan to cancel all of my employees cards and my account. This is outragous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Thos is the 2ed time my.account has been froze first time was XXXX. Or XXXX. 2023. And 2ed time since mid. XXXX. I have contacted citibank numerous times and their fraud department. I can't get any answers all I was told is my account is being closed and I will receive a letter. They have my money and I would like it back plus a fee. I did nothing to cause this. My entire identity has been stolen. I have been treated like a criminal by citi bank and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45373
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I opened a new checking account with Citibank and transferred XXXX to this account from my XXXXXXXX XXXX checking account through electronic transfer. I opened this account, so I could receive {$200.00} sign in bonus. On XX/XX/XXXX I transferred XXXX USD additional funds to the same Citi bank account electronically from XXXX. After that I tried to access this newly open Citi bank account but was not able to. I went to Citibank local branch and they told me that my newly opened account was closed because I violated Citibank policy and now my account is being reviewed by Citibank fraud department. I contacted Citibank multiple times asking to return my XXXX dollars since I need that for living expenses. They kept telling me that the bank policy is to hold the money for 90 days. I called Citibank ( XXXX ) on XX/XX/XXXX and talked to XXXX. XXXX said that she needed to contact XXXX to confirm that the money did indeed come from XXXX. She did confirm that. Today, XX/XX/XXXX, I called Citibank ( XXXX ) again and talked to XXXX. XXXX told me that the check has not been issued yet. It has been almost 4 months since Citibank closed my account and I still holding my funds hostage. Could you please help with this matter. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60025
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: everytime i go make a purchase example i bought new tires had call 3 times then next day refused let me use card accused me of loaning card to someone else 2 days ago i had to call 17 times just to get purchases done i use card only for personal use nobody else even has access but everytime i try use im blocked or have call but now they refuse to even talk to me say im not who i am it appears they removed my phone numbers this has got to stop on forcing me call everytime right now it says i have XXXX in available credit i have always made my payments my credit limit is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A