Date Received: 2023-03-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with citibank which was closed in less than 2 weeks, when i called and ask what happened they said you account is being close because of a deposit you made, i was like ok! i asked them if the account was close i was not able to received any checks or direct deposit? they said NO YOU WONT BE ABLE TO RECEIVE ANY FUND GOING FOWARD ( XX/XX/2023 ) i also told them was expecting my check from the irs and they said it would bounce back to them. I called them again to ask if they received my check from the irs they said no, so i called the irs and the state of NJ to find out about my refunds and it turns out that citi bank DID RECEIVED my checks after they account was closed, when i call to ask them ( AFTER THEM HANGING UP ON ME LIKE 5 TIMES ) why they accepted the check after they wasnt supposed to, they said that my account is not close but BLOCKED and now they holding my fund and want me to wait until they close the account but they dont know when they account will close which also leaves me waiting for my funds. Also When i call them to ask them if they can please release the funds i even went to a branch, they are saying i have to wait 30-60 days, but then again the account is still not close after 30 days. This has cause me a lot of stress and disappointed, i been behind on bills for three months ( i also explain this to them, but they dont care ) i dont know what else to do with this bank. If theres anybody that can get a hold of this situation because i have seen a lot of people going through this and nothing gets done this should not be acceptable to hold peoples money for so many days especially after they was the one that decided to not do business with us. CITI BANK NEEDS TO BE SHUTDOWN IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX Tried to use my ATM card at an ATM overseas in XXXX, was only able to withdraw an equivalent of XXXX USD. Any further attempts to withdraw funds would fail. I also received a fraud alert on my e-mail to which I responded that this transaction was legitimate, I received a message saying the card is now ready to use and to re-attempt the transaction. This did not help. I went back home and called the number on the back of my card and after talking to a rep and a supervisor, I was told they needed to verify my account and that they would call me back once it was done. This never happened. XX/XX/XXXX I called again this morning to check on the status of the verification and was told by the supervisor that I need to call them from a " verified phone number '' to resolve this and was promptly hung up. I called for the third time and explained the broken process, since there is no way I can use a so called " verified phone number '' while overseas and the first line agent seemed to be able to resolve my problem partially, she said there were two fraud alerts on my account and according to her, she helped me clear the second one, but the first one still needed to be cleared. So she transferred me over to the " account takeover '' team and then I was told again I need to call back using a " verified phone number '' and I was promptly hung up on. At this point I have no access to my funds from the overseas with supervisors hanging up on me. It's difficult for me to speak with someone from the branch where the account was originally open, because of the time difference. This is absolutely unacceptable to be repeatedly hung up on by employees of this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 sections 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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: Hi. I am reaching out to you regarding my dispute that was denied. I booked a flight through a travel agent company called XXXX The booking was done via a phone call, and I was told there multiply times, that I will be able to get a full refund, if I wish to cancel my flight within 24 hours of booking. And that is what I did. I canceled less than 16 hours after booking the flight. . As you can see that they ( the travel agent company ) has agreed to me, and issued a refund. But it was only for the amount of the booking cost, and not for the tickets. I feel that this charge should be disputed, because when I booked the flight, they showed me one total amount thati will be charged, and did not disclose with me that there will be 2 separate charges. One from them and one from te airline. So even when I tried to cancel it took them more than 24 hours to try to cancel the 2nd charge for me, because they have divided the charge in 2. And the 2nd reason why I should not be responsible for this charge is : In the response of the airline to this dispute, the write in page 5 that, I have clicked on the agree button that says that there will be no full refund within 7 days of a flight. WHICH IS NOT TRUE, I madevthis over the phone, and did not have to agree or give my consent for this. AND I WAS TOLD A FEW TIMES DOURING THAT PHONE CALL THAT I WILL BE ABLE TO CANCEL WITHIN 24 HOURS. So being that this was the mistake of XXXX, that their agent didn't know of the rule, that within 7 days of a flight there's only a parcel refund, this dispute should be reopened and I should not be charged for this. And should the airline and the travel agent company fight out between themselves who is responsible for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In regards to my Citi checking account, ending in XXXX. By XX/XX/XXXX I had withdrawn the total balance from this account down to XXXX, and completely stopped using it. Unknown to me until recently, a deposit of {$700.00} was made into this account on XX/XX/XXXX. From that money, Citi deducted a {$30.00} per month fee for XXXX consecutive months. A total of {$450.00} was deducted in fees, unknown to me until recently. If I had known there was money in this account, I would have withdrawn it. I think it is unfair that Citi charges a monthly fee on an inactive dormant account. I don't recall receiving any notifications of there being a balance in this account. Or seeing this account when I would log in to citi.com. Doesn't Citi make any attempt to notify the owner of an account gone dormant? I talked with a Citi representative about this on XXXX - telling him another Citi representative told me way back on XXXX that I would get a letter from Citi telling me if I was going to be getting this {$700.00} deposit. I never received any such letter. I have not yet received any followup reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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 was charged for two throws back in XX/XX/2022, both items were cancelled. My credit card has been credited for the items, but the credits were not posted timely resulting in late fees of {$74.00} and delinquent reporting. I need Macys AMEX to credit the fees and remove the 90 day delinquency from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Visa Best Buy Credit Card. Purchased items in XXXX and XX/XX/XXXX. I entered automatic check payments with my credit card number in the account box, so that account number was printed on the auto payment check. I made monthly payments each and every month since XX/XX/XXXX. Citi, for some unknown reason, deposited 2 of the checks into someone elses account. It resulted in late charges and escalating my balance by over XXXX for fees, etc. I sent in the proof that I had faithfully sent in my payments, but nothing came of it, they just ignore me and keep adding fees to my bill. I've called customer service many times and still nothing gets done. I am sending in my last set of documents and if that doesn't rectify this account, I can only get legal council next. It is getting out of hand as the zero interest promotional purchase will end in XX/XX/XXXX and will then accrue back interest. They have paid the fee 's first and then apply the left over to the dishwasher promotion, so the dishwasher is a little behind in being paid off. I'm XXXX and have a limited income, but this would have been completed if they had not made so many mistakes with this account. They even charged a late fee AFTER I made a payment. Its terrible bookkeeping.
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: 2023-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I missed a payment and paid the late fees Citi bank said they would as a first time courtesy to reverse they fees after I paid. CitiBank offer me a loan advance on my credit card that has been in good standing since I opened the card. The card number is XXXX. I advanced {$8000.00} dollars in XXXX and have not received a bill. I called XX/XX/23 and was told my cards were closed with no notification or an explanation. Im filing a complaint because every time I call in Im not getting any help and they brush me off. Please investigate this complaint as this is affecting my personally with my credit and work. I have always made payments on time until one time. I called to ask for assistance and I get told a different story each time and now CitiBank has closed my credits cards with no notification or explanation when Im trying to call in. Please help me. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Home Depot reported to my credit report a 30 day late payment in XXXX XXXX I called Home Depot and explained that Im a victim of identity theft and was not aware of the amount due. I was told by the representative at Home Depot that they would remove the late charge of {$40.00} and request the 3 credit bureaus remove the 30 day late payment. I was also sent a letter with this information in writing and attached it to this complaint. They did not fulfill this promise and have yet to have the late payment removed from my credit report. I have disputed the late payment mark on my credit report through the credit bureaus but Home Depot keeps denying this request even though I have a letter from Home Depot stating theyd have it removed. Ive also provided a police report to Home Depot showing Ive had my identity stolen and the letter they sent me stating theyd have the late payment mark removed. They have yet to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Somebody created an fraud account with XXXX XXXX using my name and tried to transfer money, in the amount of {$20000.00}, from my Citibank savings account ending in XXXX to the XXXX checking account ending in XXXX. This was initiated on XX/XX/2023. I called Citibank the same day ( XX/XX/2023 ) and informed the representative I was speaking with that I did not authorize this transaction and that it should be cancelled. The cancellation was then initiated per my request. I received e-mail from Citibank stated that they've stopped payment for this transaction and stop payment request will remain in effect permanently. But in few days this transaction was executed. After investigation Citibank sent me letter where they explained ( using wrong statements ) why they can't return money to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A