Date Received: 2023-03-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a savings account with this email Citibank sent me in XXXX. I completed all the requirements in this email to earn {$450.00} bonus reward I deposited and maintained XXXX for 60 days requirements. I still have maintained over XXXX in this account as if today. I have made dozens of phone calls and texts talking to Representatives that get me nowhere. They've opened a case and it has been open for months still no response. I called again yesterday and they said I'm not eligible for the bonus and to call a number and still giving me the runaround. I've talked to supervisors and texts where they have said I definitely am eligible for the bonus and it will be deposited into my account by XX/XX/XXXX. It was not deposited so I called again and they said they're still waiting for a response from the dispute team and I should have an answer soon. Still nothing after dozens of calls and texts and them saying I will get the bonus don't worry. I did all activities requirements for bonus assured by Citibank id get the bonus now six months later still nothing and no communication on their part letting me know status. I have saved many of our text conversations and they said when I called all the correspondence is in my file. So documentation of all this hassle I've been through. So disappointed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Fraudulent inquiries made using my information were made that I did not authorize XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these are all dates of the inquiries I did not authorize XXXX approved the inquiries allowing fraudulent credit card account to open resulting in XXXX dollars of debt on XXXX And XXXX XXXX XXXX XXXX XX/XX/XXXX resulting in XXXX dollars of debt I filed a dispute form for fraudulent accounts with XXXX and freezed my credit as well as placed a fraud alert on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new Citibank Savings Account on XX/XX/XXXX, via the online application process ( see the confirmation email attached ). I did not receive my debit card in the mail so I contacted Citi to inquire about the pin for my account, as it was supposed to arrive in a separate mailing and it never came to my mailbox. I was also unable to link my new savings account to my existing Citi credit card account, so I could not access my account online to make my initial deposit into this payment account. Citi agreed to resend my debit card on XX/XX/XXXX ( see attached email confirmation ). I called Citi again on XX/XX/XXXX, at XXXX XXXX to inquire again about the missing pin and they were able to assist me in setting one up over the phone. I had received my physical debit cards in the mail to my home USPS address on this day and so I finally linked my new savings account to my existing Citi credit card account and made my initial payment deposit of {$1200.00} online. My deposit was shown on my Citi Savings Bank Statement as being placed by a Teller at XXXXXXXX XXXX on XX/XX/XXXX, for my previous day 's online deposit ( See attached bank statement ). On XX/XX/XXXX I received two emails from Citibank stating that my debit card was now unlocked and activated ( see attached emails ). On XX/XX/XXXX, my statement shows that a cash withdrawal was made from my savings account at XXXXXXXX XXXX for the exact same amount as my initial deposit- {$1200.00} ( See attached bank statement ). I did not make this withdrawal and was unaware it had happened until I checked on my account online two days later to discover it. When I found the withdrawal online on XX/XX/XXXX, I was still in possession of both of my debit cards and had still never received the pin letter via USPS. I called Citi at XXXX XXXX and spoke for 32 minutes to report this fraudulent event and try to resolve it. I was told that an investigation would be started and it may take up to 10 business days until I hear back from Citibank with any update. I called Citi again on XX/XX/XXXX and spoke for 27 minutes because I had not received any communication from them online, via email or through USPS. The Citi agent I spoke to found that my zip code was incorrect in their system ( showing XXXX ) instead of my actual zip of XXXX. He corrected this and requested that a letter immediately be resent to me from Citibank via USPS, informing me that I must sign it within 10 days to confirm that I want to pursue this fraud investigation and that I am being completely honest in my statements. An email with my confirmed zip code address is attached. I did receive the letter from Citibank via USPS, immediately signed the paperwork on XX/XX/XXXX, and returned the stamped mailing to Citibank in the next day 's XXXX mail pickup from my home. See attached Statement of Unauthorized Use ( accidentally dated XX/XX/XXXX instead of XX/XX/XXXX ). On XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX, stating that my claim was declined and found not to be fraudulent. ( See attached letter ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a credit card on XX/XX/XXXX. I have 3 months to purchase XXXX in order to get promotional mileage. I called about XX/XX/XXXX or XXXX to inquire about my card. My temporary card stopped working on XX/XX/XXXX. I was told another card would come on about XX/XX/XXXX. I received the card and tried to activate it on XXXX XXXX could not activate so I called again. I was told the card was cancelled- no reason was given. I can not even login to the account ( i made a purchase with the temporary card ) and I already received a bill with No way to pay it. I was told today that they would expedite another card. Now I have 2 months to make the required purchase if I get the card timely. Its almost as if they do not want me to get the promotion. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I XXXX XXXX have 4 hard inquiries on my credit report, and i didn't give anyone permission to use my name under any circumstances. It's affecting my credit score and i would like to have it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39209
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX Citibank emailed me confirming enrollment in the Member Cash Checking Offer. I had agreed/enrolled & deposited {$30000.00} + with them before that date to qualify. I read & met all terms & conditions. Things like making an online payment with the checking account. I met these by XXXX XXXX. They were to deposit {$500.00} within 30 days of meeting those items-into my Citibank checking account. They did not. I called them on XX/XX/XXXX. During a long call they reviewed & advised " yes, you are correct. You are qualified. '' You met all conditions. They would file a dispute for investigations. Give them 5 business days to deposit my {$500.00}. I called on XX/XX/XXXX. Gave me specialist, then another. Told high volume, will take 21 days, not 5. I called on XX/XX/XXXX Told them 4 weeks since called & 5 months since qualified & due money. They marked request urgent. States high volume for bonuses & taking 30 days. Dispute specialist working on. I called XX/XX/XXXX after getting a letter giving wrong promotion code & saying I got Airline miles in early XXXX so this is resolved. This has nothing to do with the checking acct. offer. I still have {$30000.00} deposited with them. I am told call credit dept. instead of them, credit offer. No - checking account deposit & checking offer. I have XXXX email. Request & talk to supervisor. Can I send email verifying checking account cash back offer? No. He will flag it to say error & should be cash bonus offer. New dispute filed. Long wait. Will take 5 days. This is beyond frustrating and my money is stuck in a non-interest bearing account that they are making money off of daily. They owe me {$500.00} clearly & won't pay it. They pay offshore staff to take calls from frustrated customers and put them on delay. This is unacceptable. Can you please get Citibank to honor their commitment and pay me my bonus right away? This feels like a scam and fraud to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Citi Bank Visa ( Cost card ). I did not activate my card. They charge the card for my Costco membership. I Called them and told them that I did not activate. They told me they that because I applied for the card that I agreed to put my " next time Costco membership '' on the card. I was upset about this - also .... I have to admit that I did not look at any bills -- just through away any junk mail - because any card that I have not activate I'm thinking is junk mail. Well... I guess I should not of???? I was charged, however, this is not why I'm really upset. It's because I called them ( after I randomly opened up one of junk credit card solicitations ) and found out that I had a bill with late fee 's. I ended up calling them and explaining my experience. They told me that they could not help me and that I owed them. I ended up paying them and told them to close my account! I was not happy but I just wanted to forget the experience. Later I got another bill from them, however, I was thinking that their billing was behind or they had made a mistake because I paid my bill and closed my account. To make a long story short, they ended up charging again for late fees. Mind you this is not just late fees the first time ( plus the bill ) but late fees again after I closed my account. I have them on recording this time so .... I think I'm pretty safe if they do it to me again. However, I'm not taking any chances. That's why I'm contacting you! Sincerely, XXXX XXXX ( unhappy with CitiBaks ethical practices ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We didn't make the following purchase, however, Citi bank denied our claims. XX/XX/2022 $ XXXX # XXXX XXXX XXXX XX/XX/2022 $ XXXX # XXXX XXXX XXXX XX/XX/2022 $ XXXX XXXX # XXXX XXXX XXXX XX/XX/2022 $ XXXX # XXXX XXXX XXXX The reason for citibank to reject our claims is that their investigation indicated that the transactions were made at a chip-enabled card reader. Our cards were with us, and we physically stayed in the XXXX for the month of XX/XX/2022, and we can provide proof of that. We never made the transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I opened both a checking and a saving account with CitiBank on XXXX throught the credit card portal that I already had with the bank. I was able to access all my accounts in my portal the evening of XXXX. I set up an initial transfer for the account to fund the checking and savings account. When I woke up the next day my access was revoked to all my accounts. I contacted Citibank to resolve the login issue and was told it was a simple error. They told me they just needed to remove the checking and savings accounts from my credit acount. They would reset my login information and then add those accounts back. I asked if this would cause any issues with my credit card or accessing those accounts, the agent informed me it would not. They said it was a simple fix and everything would be back up and working. After removing all my accounts the agent said they could add the checking and saving account back if I provided them with the account information. I informed them I did not have that informataion. When I signed up online no confirmation email was sent to me with that information, the only access I had to those accounts was through my portal which was now removed. The agent then informed me there was nothing further they could do and they would nto be able to assist since I didnt have the account information. I asked to be transferred to a department that could help resolve the issue because I had a large transfer of over {$19000.00} coming to the account that I did not feel comfortable not having access too. I was transferred to two other departments and no agent could help me. I was initial told they could not locate the accounts without my account information. I informed them it was unacceptable since I could provide them all my other personal information. I was eventually transferred to a supervisor that could not resolve the issue. They informed me I needed to wait until I get my debit card before anyone could assist me with the account or provide me with any information. I let that supervisor know I did not feel comfortable having such a large sum go to an account that I cant access or have the information too. I requested the supervisor to stop the transactions and they advised they could not do that either. They informed me I would need to contact my current bank and stop the transactions. I was told this would cause no fees or charges to my account and once the transactions were stopped the account could be closed. I asked if there was someone else I could speak to but they informed me there was not. I asked for a contact email or name to get in touch with someone to resolve this issue, she told me there wasnt. She informed me someone would follow up in 24-48 business hours but could not tell me the name or contact of who was calling me. I asked if there was a case number or anyone to resolve this issue today and the supervisor disconnected the call. I waited another 48 business hours and received no call from citibank. I reached back out on XXXX to check the status of the account. I was told there were no fees charged and the transacations were rejected. I requested to close the account again and was told I could not do that at this time. I was then told my account had a negative balance that needed to be resolved before I could close the account. I requested to speak with another supervisor and was transferred again. This supervisor informed me there was nothing further they could do the resolve the issue. They told me the negative balance had to be addressed before the account could be closed. I asked why there is a negative balance when I was directed by the last supervisor to stop the payment from my current bank and assured there would be no charges. They assured me the balance would be reset to XXXX by XXXX and I would need to call back then to close the account. I am no stuck waiting for an unknown amount of days to close an account that has a negative balance that Im unsure will be resolved. Everytime I contact the bank to close the account the requirements are changed and they keep pushing the deadline. Im also worried they will charge me the full amount for my balance transfer which is my entire savings. I have still yet to recieve anything with the account information on it outside of a notification email about the low balance but only providing only the last XXXX digits. I really need some assistance on resolving this issue. This has been a terrible experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A