Date Received: 2023-03-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In my XXXX XXXX app, I got an offer to apply for XXXX XXXX credit card so that I will get XXXX miles. I applied and when I submitted the application they declined and saying the reason that I submitted multiple applications for credit. Earlier they said some other reasons and they did not say anything about that in this declining letter. So pelase ask them to stop sending me such advertisement materials and then declining applications. If tehy have no plan to approve why they are sending my such advertisements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60101
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX a week ago I opened a single savings account and a joint account with Citibank. I used Citibank ACH feature to transfer funds from my small bank $ {$250000.00} to a single savings and {$500000.00} to join savings. Funds have posted and left my bank but Citibank closed my accounts blocked them and refusing to send back funds, They want hold {$750000.00} for 60 days then they will mail check in mail. They refuse return my own money sooner. Reason for us opening accounts was due their advertising of high rates for savings and we split across accounts to stay within FDIC limits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inaccurate reported late payments on credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Citi bank credit card sent to XXXX XXXX to my employer for a wage garnishment how my information became available I dont know citi bank says it wasnt them it just doesnt seem fair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Friday, XX/XX/XXXX, my fiancee received a check in the mail from the state of Colorado. This was a tax refund check. She mistakenly completed a mobile deposit into my newly opened Citibank account- we had not added her name to the account yet, as we just opened the Citibank account this past month. We moved our combined savings from XXXX ( where the account was in both of our names ) to Citibank ( where the account was just in my name ). This was an accident, and when I noticed I was not able to log into Citibank, I called the bank to ask why. I explained the situation with my fiancee on the line, and they let me know the account was flagged for fraud and they were conducting an investigation. I apologized- it was a human error and we have been sharing accounts for years, and I have deposited checks in her name with other institutions before- and they let me know to wait 24-48 hours for a resolution. On XX/XX/XXXX, after 48 hours, I received an email letting me know my account was being closed for violating their terms of service. I contacted their fraud department immediately, and they were unhelpful and not empathetic at all, despite my fiancee being laid off recently and Citibank housing our entire savings, money we need for rent, groceries, car payments, etc. I then called customer support, a branch location, and used XXXX to get help and no one was able to help me or tell me the amount of money I had in my account. The only information I got was to wait 30-60 business days for the investigation to end and for my account to be closed, as the closure is still in a processing status. I understand that a mistake was made on my end, but it was a {$700.00} check and we can live with that being lost. What we can not live with is having no access to our entire emergency fund for months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX Citibank N.A. ATTN : XXXX XXXX XXXX Citibank XXXX XXXX XXXX, Texas XXXX To Whom It May Concern : Im writing in response to a letter that I recently received from Citibank. The letter informed me that I didnt qualify for the XXXX XXXX XXXX bonus miles that I was supposed to receive when I opened an account with Citibank with a {$35000.00} deposit on XX/XX/XXXX. During that seven-month period, I had numerous phone conversations with Citibank Customer Service about the terms of and my eligibility to receive the XXXX XXXX XXXX bonus miles and was always assured that I met the eligibility requirements and was going to receive the reward. To confirm what the terms of the promotion were, I called Citibank Customer Service that same day and after being transferred to three different agents, finally got to speak with someone who knew about the promotion. She told me that I need to make two purchases on my debit card for at least {$750.00} within 60 days of opening the account. I asked her to send me a message with the terms of deal, but I was told that she couldnt do that. On XX/XX/XXXX, I remembered there was a note on my calendar reminding me to make the two debit payments for at least {$750.00} each. Just to be sure that I was doing the right thing I called Citibank Customer Service. Again, I was transferred twice before reaching someone who knew about the promotion. She told me that I would be okay as long as both payments were made before XX/XX/XXXX. Accordingly, I made a debit card payment for {$800.00} on XX/XX/XXXX and another debit card payment for {$800.00} on XX/XX/XXXX. In fact, I made a total of nine debit payments totaling {$2500.00}, 90, before the 60-day deadline. On XX/XX/XXXX, I called Citibank Customer Service to find out when I would receive the Award. I was told by agent that I would receive the XXXX XXXX XXXX bonus miles at the end of the next billing cycle. When I hadnt received the Award after waiting an additional two months, I called Citibank Customer Service on XX/XX/XXXX and was told that I would receive the miles by XX/XX/XXXX. After XX/XX/XXXX, I checked my XXXX XXXX XXXX account several times, but the miles were not posted there. Finally, on XX/XX/XXXX, I called Citibank Customer Service and asked to speak to a Supervisor. The Supervisor that I spoke with was named XXXX and unlike the other Agents I had talked with before, XXXX was not in the XXXX, but in XXXX! She didnt have any idea what I was talking about, so she asked me a series of questions and said she was going to escalate the matter. XXXX went on to say that I would receive a response by text or on the Citibank site within five days. On XX/XX/XXXX, I called Citibank Customer Service and was told by an Agent name XXXX, this time in the XXXX, that it would now take 20 additional days to get a response. On XX/XX/XXXX, I called Citibank Customer Service, and the Agent transferred me to a Supervisor. I was placed on hold for 20 minutes and she came back on the line to tell me that the Supervisors were busy and that I needed to continue to hold. Instead, I hung up. On XX/XX/XXXX, I noticed that there was message for me on the Citibank Site. When I looked, there was a letter from Citibank ( see attached ) informing me that I would not receive the XXXX XXXX XXXX bonus miles. I didnt have time to read the letter, so I closed the document planning to read it later in the day. When I attempted to open the letter, it was gone. So, I called Citibank Customer Service and after being transferred to a Supervisor, was given a code and told that I would receive access to the letter in a few days. More than two weeks later, on XX/XX/XXXX, I received the code and was able to get access the letter. It said that I did not qualify for the XXXX XXXX XXXX miles because I did not meet the terms and conditions to receive the promotion. The letter went on to state, that if you have any questions or would like to speak with a representative contact Customer Service. I did and was told by a Supervisor that there was nothing that they could do and that I needed to write a letter to Citibank. Accordingly, I trust that you can help me to resolve this matter in a reasonable and equitable way. Best Regards XXXX XXXX I HAVE A COPY OF THE LETTER THAT I RECEIVED FROM CITIBANK, BUT YOUR FILE TRANSFER SYSTEM WON'T ACCEPT IT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I received a letter in the mail stated that CitiBank XXXX XXXX XXXX Home Depot ) needed to confirm a valid application. So I called the fraud verification unit at XXXX XXXX XXXX XXXX and spoke with a representative that stated someone in XXXX Florida tried to apply for a credit card in my name. I told her that wasn't me I live in XXXX XXXX She stated that the investigator will get back with me about this situation. On XX/XX/2023 I checked my credit report and saw that on XX/XX/2023 there was an Hard inquiry on XXXX. Spoke with the gentleman and he stated it would be removed and put a lock on my credit report and gave me the email address ( FTC.GOV ) to connect you and make a report. Thanks in advance XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I called Citibank to ask why they had not upgraded my card to paid since they had receive my payment more then 10 days ago. I needed the credit to reflect the payment because I needed to use the card to make a purchase. I explained it shows on the information that credits are updated within 7 days of payments and it had been more than 7days and wanted to know why it didn't reflect the payment which was substantial. The CSR tho she was referred to as a supervisor did not have an answer. She was quite rude and hummed and sang in the phone as I asked her if she could be more forth coming. She did not answer. I explained that if she could not update it then I have no need for the card. She said so you want to close the account? I stated that was not my intention but if they were not going to give me credit access it will not help me. She continued to badger me about closing the account and I should say " yes ''. She was not helpful and I am sure I did say yes. There was a charge of {$34.00} remaining on the card and since she closed the account I paid it with my bank card, received an email from them stating it was received. I then removed all my information from Citibank card app and now have received a bill stating I owe {$69.00}. This includes {$30.00} interest I am not responsible since I paid that balance before the interest should have accrued. These people are tremendously rude and unapologetic. They will not work with you and take pleasure in trying to ridicule you. They have no intention of helping to resolve anything and only want you to pay this amount. I will pay it because I don't want them to ruin my credit rating but something needs to be done to this staff of idiots.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: We have had a credit card account called the XXXX XXXX XXXX XXXX with Citibank for over 30 years. This card offers a 2 % cash rebate on all purchases made in a calendar year. Each monthly statement provides an updated total of the accumulated cash rebate based on the transactions posted since the previous billing cycle. Then, at the end of the XXXX, a XXXX XXXX is posted to the XXXX monthly statement which represents the cumulative total of cash back earned in the previous 12 statement cycles. This practice has been followed for the entire 30 years that we have had this account. In XX/XX/XXXX we were expecting the latest XXXX XXXX in the amount of {$610.00} to be posted to our account. However, when the statement arrived in the mail, we noticed that no cash rebate credit was posted. I contacted Citibank Customer Service to inquire about the missing cash rebate and I was told the the XXXX XXXX XXXX was terminated in XX/XX/XXXX and therefore no credit was going to be posted. I keep meticulous records concerning all of our credit card accounts and I never received any e-mail message or hard copy notification via U.S. Mail regarding such a change. When I told the Customer Service representative that I never received the notification of the change, she told me that it was detailed in a written change of terms notice that was printed on the XXXX XXXX monthly statement. Once again, I keep all of our monthly statements and after reading through the notice, I determined that there was absolutely nothing in those terms that spoke about a change in the XXXX XXXX XXXX. Citibank eventually conceded that they failed to properly notify me about the change in account terms. I told them that I expected to be credited for the entire {$610.00} and they told me that they would review my account and let me know. On the XXXX statement I received a XXXX XXXX of only {$520.00} which is {$89.00} less that what I earned. I contacted Citibank again and complained about the error and they told me to send them a detailed accounting of how I calculated the {$610.00} total. Using the exact same method that Citibank has used for the previous 30 years, I sent them all of my documentation. I then received a letter back simply stating that the XXXX XXXX XXXX has ended and they were not going to issue any additional credits to my account. My reason for filing this complaint is that I feel Citibank has engaged in deceptive and dishonest business practices and also committed violations of the Fair Credit Reporting regulations. Because they failed to properly notify me of the change in terms, I was misled and tricked into continuing to use the credit card with an assumption that I was still earning cash rebates all the way through the end of the year. If I had known the program had ended, I would have stopped using the card immediately ( I have other cash back credit cards that I could have used instead ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My is XXXX, I am a POA Attorney in fact to these two account numbers, XXXX and XXXX. Since last XXXX, XXXX XXXX was helping to add my name on the accounts successfully as a POA attorney in fact but soon as everything completed she left your bank to joined XXXX. Before I left XXXX early in XXXX, she and I were discussing to find the best solution to move the money to XXXX. Finally she thought issuing check books and let me write them out and cash in through my bank account in XXXX was probably the best way to do so. However, once the checks reached Citibank in USA but not at branch in XXXX and no one at branch knew anything about it. The checks were returned to my bank unpaid with no explanation and I was charged for returning fees. After I finally be able to reach the branch mgr via email and telephone call and we then started to discuss on how to solve this issue immediately but sadly the personnels who assigned to help me did not seem to understand the situation fully. I also send an email to wire transfer dept as I was told but no one reply my email and it has been more than 6 days as we speak. Before I sent the email I called the wire transfer number that was given to me a couple of times and last time I called I was put on hold for 4 hours and because time difference I had to stay up all night to get nothing done. The reason that send this complaint because I believe I did exactly as I was told but yet I can not access my accounts as a POA attorney in fact. Please recommend how to proceed forward from here on out. Best regards, XXXX XXXX Cellphone Number : XXXX p.s. please find attachment files on this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A