Date Received: 2023-03-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: My husband and I experienced a total fraud from Citibank. We co-opened a checking account with a deposit of {$50000.00} in XXXX Citibank promised a {$700.00} bonus meeting necessary requirements. I met all the requirements and was told by several agents that all my qualifications have been met and to wait for 90 days and the bonus would be deposited. After calling for six months and spoken to many representatives and supervisors, we were assured we met all the qualifications and the {$700.00} bonus would arrive. I have names and dates. After speaking with the executive response team, they stated unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. Weve escalated numerous times with Citi managers and they refuse to honor their promotion after fulfilling our part. This is scam. We closed our checking account and we are both filing a complaint. Many consumers have been mislead by the fraudulent activities of Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I contacted Citi Bank in XXXX of XXXX to inform them that this account was fraudulent and that they were violating me as a consumer to report such information to consumer reporting agencies. I noticed that they decided to close this account because I reported it was as fraudulent but on my credit report it states its charged off. It's fraudulent why would I give them permission to report such fraudulent information on my credit report when I have not given a signed document for this account. Please stop reporting such information on all CRA 's. Where is the 1099c so I can give it to the IRS as so as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have multiple company credit cards that are managed by Citi card services, including retailers and gas company cards. Recently I have noticed that when you sign on to any credit card site with the Citi logo to make a payment, there is no " Payment Due Date '' shown on the main account summary page. There is a " Make a Payment '' option but that choice doesn't give you the date due either. The words " Payment Due Date '' does appear on the summary, but no date is ever given. You must search for the payment due date by clicking the " Payments '' history. The " payment due date '' was always displayed with the " make a payment '' option, and had an actual date given. This new lack of a " payment due date '' is misleading in that it makes it look as if your payment isn't due yet or has not yet been calculated. I have multiple examples of a payment being due within days and no notice that a payment is due. I don't know the reasons for this change, I have reached out to Citi and have only received automated response that doesn't address the issue. This change will also lead to customers unknowingly missing payment deadlines and potentially hurting their credit.
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: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was charged a " debt protection fee '' which I never authorized. I took advantage of a Best Buy credit card promotion of interest-free payments for 24 months. I made my regular payments, but I was shocked to see this random fee I never authorized. I called the Best Buy Credit Card customer service number to report the issue, but they instructed me to call the phone number associated with the " debt protection fee ''. Whenever I would call this number, I am never able to get a hold of a person. Best Buy also mentioned that this fee may have been something the previous bank ( that managed the card ) included with the account. Even if this were true, why is my current card still incurring this " debt protection fee? '' I searched the internet to find any information on this fee, and I found a Best Buy forum where others have reported the same exact issue. Several Best Buy Credit card users were claiming they were being charged a scam fee labeled " debt protection fee ''. Whenever Best Buy would respond to these customers in the forum, they were told the same thing I was told -- which was to call the number associated with the " debt protection fee. '' The customers would then reply that they are never able to get a hold of a person when trying to call the number associated with the " debt protection fee ''. This is exactly the same issue I am dealing with. I have called Best Buy credit card customer service several times, but I keep getting told to call the number associated with the " debt protection fee. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 my card was used 23 time at XXXX I call the bank to dispute the charge. I have filed the claim 4 time and have been denied. I didnt make these charges I have sent an appeal letter 3 time. 2 time via fax and the other via email. They keep saying they havent received the information. I have attach the appeal letter to this claim. I didnt make these charges and the bank refused to dispute these charge with The merchant XXXX. Im getting the running around from Citi bank. I also requested the information from their Investigation. But all I have received is the letter saying that Im responsible for these charges. Total of {$7800.00} in 2 hour was spent on XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a Citi Premier card on XX/XX/2023 with a promotional bonus of spend {$4000.00} within 3 months to earn XXXX Citi ThankYou points. While I opened the card on XX/XX/2023, I did not receive the physical card in the mail until XX/XX/2023. Additionally, I was not given the option to have a temporary card number or to add the card to my digital wallet, therefore I could not use the card until it arrived on XX/XX/2023. My spending eligibility period ends 3 months after account opening, on XX/XX/2023. However, since the card did not arrive until XX/XX/2023, I didn't truly have 3 months to spend on the card, therefore I feel that the promotion is misleading. I requested an extension in XXXX after receiving the card, and was told to call back nearer the end of the period. I also called again on XX/XX/2023 to inquire about extending the bonus spending period beyond XX/XX/2023 to account for the lost time, but a supervisor did not seem to follow the request or was not offering to do so. As of writing ( XX/XX/2023 ), I am {$460.00} short on the spending requirement, and won't be able to meet it by XX/XX/2023. As it will be too late by the time this request is responded to, I would ask for a courtesy XXXX points once I have met the {$4000.00} spending requirement within 3 months of receiving the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Visa credit card from Citibank associated with Costco, however I use my other Visa card from different bank and never even activated the one from Citibank. I didn't realize that the Citibank Visa card will automatically charged my membership fee with Costco and I was out of the country from XX/XX/XXXX to XX/XX/XXXX this year. After I came back I found bills from Citibank charged my membership and late fees totaling more than XXXX dollars. I spoke to both Citibank and Costco and was told my membership fee was automatically charged and I had no way of knowing it until the bill came in XXXX. Since I was out in XXXX and I didn't know until I came back on XX/XX/XXXX. I also pointed out that I had shopped in XXXXXXXX XXXX Costco for at least 5 times and was recognized. And I, in accordance with the Citibank manager 's advice, remitted the membership fee. But yesterday I received another bill from Citibank, still charged me late fee. I called the Citibank manager, named XXXX, but he claimed he can't remove it. So here I am, filing this complaint for your judgement.
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: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022 i made a purchase thru XXXX for the amount of {$470.00}. I used XXXX points from my Thank you points total earned .equals to {$220.00} in cash. So my total charged to CitiBank was {$240.00}. On XXXX i disputed this charge due to never received the item from XXXX ... Dispute # XXXX XXXX dispute was closed in my favor after an investigation was completed by CitiBank. On XXXX i called CitiBank Thank you points department and was told a case was opened,, XXXX # XXXX and that my points were going to be returned to my account. By XXXX. Today i called again and was told. It will take another 60 days for a resolution to be made. I feel CitiBank is not dealing in good faith when it comes to my Thank you points earned. The customer service agents i spoke have been very rude and misleading comes to my issue. I earned my Thank you points by making purchases and paying on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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: On XXXX XXXX 2023 I made a purchase of {$390.00} for an item I never received ( XXXX XXXX XXXX XXXX ) on my XXXX citi visa signature credit card. Company name was XXXX XXXX XXXX XXXX. Now the web site they were selling on doesn't seem to exist. I filed a dispute as soon as I checked up on the " shipping link '' they sent which was a dead link and they had a european address and I could not contact anyone. Until this day I have never received anything. Today I received a message from my credit card citi bank that my dispute was denied and Im losing the {$390.00}. What can we do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90605
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citibank was advertising account opening bonus incentives. Promo code # XXXX. I attempted to open checking account on their website. Their system had issues that prevented me from opening the account online. I called on XXXX to open the account on the phone. I funded the account in XX/XX/XXXX. I called them in XX/XX/XXXX to ensure I would receive the bonus and they confirmed I would receive it in XXXX. I didn't receive the bonus and called them on XXXX and they said I would receive it by XX/XX/XXXX. I called them on XXXX and was told they needed a form from me. I sent them the form in the mail. I called them on XXXX and they said they received it, but still no bonus. They opened a promo dispute case and told me I would hear from them in a week. I didn't hear from them. I called on XXXX for an update. They had no update and they would request one from the investigation team and that I'd have to call back for more information. I called them on XXXX and they told me the case was closed and they determined I am eligible for the bonus and they bonus would be in my account by the end of the day XXXX. I checked my account on XXXX and the bonus is NOT there. The company used misleading and deceitful advertising. They have continued use unfair trade practices, to lie to me, cause stress, and consume my time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A