Date Received: 2023-03-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I tried closing my account with citi bank 2 weeks ago. They said it was closed but they lied and did not close it. I can not get my money out of that bank. They have absurd reasoning and rules that the customer has to follow in order to close their account. I called them this morning to make sure the account was closed and discovered the agent I last spoke with did NOT close it! I need that account closed immediately and a check sent to me. The agent today said he would close it but I don't believe him after what I have been through trying to close the account. Almost a dozen phone calls later, I still don't have my money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17022
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a Wayfair XXXX and pay on time or before my due date every month. Recently I was ill - thinking I had paid the CC but did not finish with submit. I was 7 days late but not over 30. They immediately reduced my line of credit by a very large amount and placed it at the amount I owe, making it 100 % max use. I received a letter stating it was because lack of credit history. I have 13 years with great payment and balance. I inquired about them to increase it again and received a rejection based on mortgage payments are delinquent - I dont have a mortgage, I paid that in full in 2020. So now they have reduced my line making my balance hit 100 % and did a hard inquiry, all to give me false reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85138
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had XXXX accounts with Citibank a checkings, savings for my sons XXXX which he was receiving ssi and a joint savings for me and my husband. My checkings account was hacked and a fraudulent check was made into my account without my knowledge. I had money inside my sons savings and also me and my husbands savings account, Citibank closed all of my accounts even with my funds that I had in my sons savings and my husbands savings. I was told in the beginning that I was gon na receive a check after 60 days for the remaining balance I had left into my sons savings and my husbands savings. The 60 days passed so I begin to call Citibank and ask where is my check and they told me that since my checking account ( the one that was hacked and not the other XXXX ) were in the negative I cant receive my money. And also my son received his first of the month check on XX/XX/XXXX which was deposited into Citibank savings and was never sent back to the original sender which was the Social Security Administration. This is not right at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
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: 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: This complaint is in regards to : Billing dispute XXXX for XXXX transactions on my Citi Aadvantage account ending in XXXX, and Billing dispute XXXX for XXXX transaction on my Citi Premier account ending in XXXX XXXX separate purchases were made in the month of XXXX. It was clear soon after that the company is a scam and vanished. Goods and services were never provided. The company showed on their website a refund policy of 60 days. I contacted Citi bank within 30 days of each purchased when it was clear to me company was not responding and they were a scam, to get my money back. In my mind, since the purchase had been done within 30 days, the money was probably on escrow or something. Citi bank instead of contacting the merchant ( quick and easy process ) to confirm they are no longer operating, and did not provide any goods or services to me so my money could be returned, decided to instead wait XXXX week to request for me to sign a form. I sent documentation to Citi bank via the e-mail provided, and also faxed it. I want Citi bank to just deal directly with the merchant so my money can be returned as soon as possible. This ordeal has caused me and my family a great deal of stress and XXXX.
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: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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: I am writing a complaint as a victim of fraud with CITI credit card. I received a call from CITI on XX/XX/XXXX regarding my credit card indicating that there was problem, I got transferred to fraud department and I was on a very long hold, then I got disconnected. I was not able to call them back as my phone cant allow an outgoing call. They never called my back. I stopped using the card after that call. On XX/XX/XXXX, we went to our credit union to report a fraudulent check we got from the mail upon arriving to the states on XXXX XXXX. The check was a check already issued by my husband amounting to {$130.00}, that same check was washed and placed {$5000.00} on it issued on my husband 's name and got cashed with different signature on the endorsement. By then we found out that there was several withdrawal done on our savings and checking account by the fraudster, the XXXX XXXX was alerted and reported to the fraud department. The same day of XX/XX/XXXX, I called CITI to find out what was going on on my account as there was unauthorized payment made from my checking account amounting to {$3400.00} on XXXX XXXX and another withdrawal of {$370.00} paid to the CITI credit card. The credit fraudulent charges continued after the payment was made by the unauthorized user. In XXXX, when I called them, my balance was up to {$6800.00} and some cents, I was shocked and asked them how did that came up to that amount when my credit limit is {$3900.00}. I did not received email or any kind of communication from them. They assured me that they investigate the case. On XXXX XXXX I received a collection call from them despite of the case being investigated, at this time my balance is {$7300.00}. I thought the card was closed, then how did it kept on going up. Also came to find out the the case was closed, that send denial letter which I have not received. ( I also have a mail thief case reported to XXXX XXXX XXXX ). I asked them why was is closed? I demanded to open it again because I dont believe I am responsible for all those charges. I was then told on XX/XX/XXXX that the case will be reopened. XX/XX/XXXX a call to collect was received, this time my balance is {$7200.00}, the case was again closed on XX/XX/XXXX and told my there was denial letter regarding the dispute. I dont know what to do, I need HELP. I need help to resolve this. This fraud have been going on since XX/XX/XXXX until now. My husbands Identity have been stolen as well as my mine. We are so scared every single day on what will happen next, this have going on again and again, non-stop. Even my pension for XXXX and XXXX was stolen. We live with our pension, my husband is a XXXX XXXX and we are both being STRESSED about our situation. We dont know what to do and who can help. PLEASE HELP in any way possible. Thank you very much for your attention to the matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was the holder of a secured credit card with Citibank with a {$500.00} collateral deposit that I had paid. I used the cards many times with no issue. On XX/XX/2019 my balance was {$590.00}, I made a payment of {$360.00} which was withdrawn from my account. The very next day on XX/XX/2019 Citibank closed my card leaving me with a balance due of {$230.00}, since I had {$500.00} collateral, they deducted my balance due and refunded me {$260.00} from my collateral by check on XX/XX/2019 with check # XXXX. I thought since I had paid off the account that everything was ok until Citibank starting reporting late payments to all 3 credit bureaus. Not only that, they stated that I owed them {$640.00}. I stated calling Citibank in regards to this issue and was transferred many times to different departments. I spend hours on the phone explaining the situation and no one could help me. I was asking Citibank to show me where the balance was coming from but each rep I spoke to stated that the only thing they could send me was a statement but the only thing the statement showed was a dollar amount due, it did not show where the charge was coming from nor could any of the representatives I spoke to could tell me why there was a balance. One representative from Citibank advised me it would be faster to file a dispute directly with the credit bureaus. I did in fact file dispute with each of the bureaus. Each time they would get back to me and say that the information being reported was accurate and that it would stay on my credit report. I did not understand how that could be so. How could they verify the information as accurate is I myself as the account holder could not get anyone to verify where the charge was coming from? It has been almost three years now that they still report a balance and showed as a charge off. This past week, out of sheer frustration and in an attempt to salvage my credit I paid Citibank the {$640.00} despite thinking it was really unfair as I did not owe this money. I only paid in hopes of restoring my credit and getting the account removed but Citibank is still showing my account. It updated to show as a paid charge off which is not any better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08109
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, in the afternoon, I logged in to my Citibank account two check my business account. Since I also have a checking account with them, I was wondering if I could link my accounts. Because I was able to do that with other banks. To find out how to connect my account so that I have access all at once. I tried to contact Citibank. Online chatting was one of the options. I clicked on the chat link, but I was still logged in to my account. The chat was an automated response therefore, it gave me some instructions which were not helpful, Then, The automated response system offered me to speak to chat with a representative. Within two minutes, a person ( at least what I thought to be ) started after I explained to him that I needed to link my business and personal accounts, he stated that he would guide me to do that. Immediately called me on my phone. He immediately said to me, " I am XXXX employee number XXXX from Citibank. we were chatting about linking your checking account with your business account " XXXX '' and I will help you to do that. '' He asked me if he needed to verify if I am a real client and asked me for my debit card number. I told him I don't have it. Because I suspected that wouldn't be needed to achieve this. However, he said I have it and I will read it to you. And he started reading numbers and ask me to type them. At this point, he already got access, within a few seconds, I started receiving text messages on my phone stating that I transferred {$2400.00} to XXXX XXXX with a XXXX account. Immediately shut down my computer and called Citibank to stop the transactions. Out of the XXXX transactions, one went through which is for the maximum amount that they could transfer. The other two asked for my confirmation. Citibank assured me that they will investigate and help me to get the refund. However, Citibank has denied the claim. I filed an appeal and was denied again. The incident was reported to a local XXXX and copy was faxed to the Citibank dispute unit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I'm a victim of identity theft. A Home Depot credit card was opened in XXXX XXXX without my authorization or knowledge. I have called and reported identity theft to Citibank who represents this card two times in the last year. Citibank calls me 3 times a day trying to collect a balance of {$600.00} that isn't mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XX/XX/2023 I talked with a representative of Citi Credit card. Even though they caused this situation she was very resistant to making things correct on the statements. " I'm on your side, here to help '' she said. She had not even looked at the account, she was responding to my claim from the Consumer Protection Bureau. Still they are not admitting to their poor performance by placing the payments in the wrong account! This was plainly denoted on the payment/check information area, she continued to blame me. She had to look at something and call me back, not having reviewed the situation beforehand. She said " but but they put it into another account of yours and you cashed the refund check ''. Yes that account XXXX is frozen at this time with a XXXX balance and for goodness sake don't you understand it was not the correct account-so it looks as if I didn't make payments into XXXX. I emailed and called right away after recieving that check from them but no one would help me. '' However she finally did remove some of the late fee 's after a lot of back and forth. And there would not be any finance fee 's either if they had processed the payments correctly. As the way they split the payment on the items we purchased, it delayed payment to both. Their software is charging me late fees after I make an electronic payment. This is a small account, they wipe away fraud of huge amounts daily and I was getting ignored, the run around, and escalating late fee 's. Where are the banking regulators and the credit card oversight? I don't recommend using Best Buy Citi card at all. Customer Service there is non exisistant and ONLY happened when I registered my claim with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68803
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: Lost or stolen check
Subissue:
Consumer Complaint: A bank draft payable to me was deposited into a Citibank account fraudulently. It was likely stolen from my mail. The bank draft was addressed and payable to me to reimburse me for vacation expenses by my friend a XXXX customer in XXXX. The account the draft was deposited in Citibank is not mine and not associated with me in anyway. Citibank did not verify the draft payee and allowed the payment to be drafted from the XXXX account. Citibank is liable for accepting this draft that had been altered and improperly endorsed by someone that is not me. I visited a Citibank branch in XXXX today XXXX and a Manager told me that it is not their responsibility which can not be correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11232
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A