Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Office of the President XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/XXXX To whom it may concern It is a painful shame Citibank Institution unprofessionalism . CitiBank, failed to their Duties and obligation as issuers of account XXXX. Evading their responsibilities, neglecting same. Failing within the 90 days period to provide me with report referring to account XXXX. Account Unverifiable. CitiBank continued repeating same information parroting without any proof in writing Which did not provided within the 90 days. I deny account, account number XXXX, not mines. CitiBank as issuers of account are solemnly responsible for account and to provide poof The fact is that CitiBank never provide me with any proof within 90 days period on XXXX because Bank institution Never had, neglecting account, not mines Very unprofessional for a Bank institution Also CitiBank claims to have transfer account to debt collector, third party that has nothing to do with me, account not mines. This is hurting my reputation and constitutes Defamation to my person. Im requesting a deletion letter for account number XXXX. Within 7 business days by XXXX XXXX. I will be force to file a Police report to CitiBank referring to account XXXX. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: A balance transfer check was issued from XXXX XXXX XXXX for my Home Depot Account in the amount of {$640.00}. The check was cashed on XX/XX/ according to XXXX ( see attached ). I have not received credit to my Home Depot account and several attempts were made to verify that the check was received and was not credited to my account. I have been paying interest on my home Depot account, as well as the balance tranfer from XXXX. I contacted Citibank and there are stating that there was no signature on the check and could not honor it. I hope for a quick resolution of the matter as it has been ongoing for more than a year. I find it egregious that a simple matter has resulted in lost of time and money and no apparent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a checking account on XX/XX/XXXX, using a promotion page where Citi was offering a Tiered Bonus based on the amount deposited to a new Citibank checking account. The offer was a {$1500.00} bonus for maintaining a balance of {$200000.00} or more ( deposit within 20 days of opening, and maintain that balance for 60 days ). On XX/XX/XXXX, I deposited {$200000.00}, and to be safe, I added an additional {$5000.00} on XX/XX/XXXX. I maintained a balance of {$200000.00} or more from XX/XX/XXXX to XX/XX/XXXX. I used chat support with Citi in XX/XX/XXXX to confirm that I was on track to receive the bonus, and they responded " as I can see the amount will be credited on your account by XX/XX/XXXX ''. On XX/XX/XXXX, after not receiving the bonus, I contacted Citi again using the chat feature and received the response " As I have checked you met all the requirement for the bonus '' and that they would open up a dispute. On XX/XX/XXXX I called Citi after not receiving an update on the dispute ; the representative on the phone confirmed I had met the requirements for the bonus, and explained that there was a delay due to the case being moved to a different agent. On XX/XX/XXXX, I received a message from Citi with the message " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. ". After calling Citi multiple times after, they claimed that there was no promotion attached to the account, and did not offer an explanation of why I was told on the contrary multiple times in the past that I had met the requirements of the bonus. I would not have opened this account if it were not for the bonus, and if I were not reassured multiple times that I had met the requirements and that I should be receiving a bonus, I would have closed the account earlier. Instead, I opened up a checking account due to their promotion, and kept my money in the account because I was told that the bonus was still coming, but that it was delayed. I have still not received any bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84093
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
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 filed a dispute with Citi over a charge that I did not make on my card. Citi immediately reversed the charge and started an investigation, which I appreciated. About 45 days after I filed this dispute Citi contacted me and indicated that " Based on the information available, we have closed our investigation and reversed our credit. ". The only information Citi provided me was a document from the merchant. The merchant indicated that only my credit card number and expiry was provided ( no CVV, no address, no zip code ). The merchant indicated that someone whose name does not match mine or my authorized cardholder made the purchase. The email address and phone number also does not match mine or my authorized cardholder. See my attached document. It appears that Citi is not actually doing any investigation here, but is blindly reversing credits when they receive any response from the merchant. I would like to understand if federal law requires Citi to do more than just this. No reasonable person would look at the evidence and conclude that this charge was legitimately made. I am continuing the dispute process with Citi, but I feel the process is unreasonable given the evidence and that Citi is not upholding their obligations under federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened the account on XX/XX/XXXX with the promise of a bonus of {$500.00} if I deposited XXXX dollars within 30 days and left the money in the account for at least 90 days. The XXXX went into my account on XX/XX/XXXX. In XXXX Citi sent me a bunch of wierd papers for me to fill out. Papers that I have never had to fill out for a checking account ever before. I called and asked why and the associate told me it was mistake on their end and that my account was good and I would recieve the bonus. They apologized to me profusely. I was expecteding to see the bonus in early XXXX and when it didn't appear, I called Citi and was told I needed to fill out a XXXX. I sent them a XXXX but they sent back correspondence saying it was altered and they needed another XXXX. They also included a XXXX form which clearly states that if I am a US citizen , do not fill out that form. Still no bonus.I called again and they told me again to send a XXXX. Rather than argue with them I sent another XXXX. I called again on XX/XX/XXXX and was told they would open an investigation and I would get the results in 5 business days. After those days went by, I called again and asked what the results of Case # XXXX were and was told it may take 10 days. It is now been 16 days and the bonus has still not been credited to my account. This bonus should have been in my account months ago and I just keep getting the same run around. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had three credit cards from CitiBank including one XXXX credit card ending with XXXX since XXXX, a second XXXX credit card ending with XXXX since XXXX or XXXX, and a XXXX XXXX credit card ending with XXXX since around XXXX or earlier. I had never missed a payment to any of the three Citi credit cards since I had them. As a matter of fact, I had never missed any payment to any of my credit cards with Citi and/or other credit card issuers. In XX/XX/XXXX, I made {$20000.00} purchases on card XXXX and another {$20000.00} purchases on card XXXX, and I had already paid off {$17000.00} on card XXXX and paid off {$18000.00} on card XXXX by XX/XX/XXXX. However, Citi closed all of my three credit cards aforementioned on XX/XX/XXXX. I called Citi on XX/XX/XXXX, and a Citi representative told me the reason Citi closed my accounts was because I had a very high overall revolving credit line so Citi decided to close my accounts. I asked the representative could he help me submit a request to re-open those three credit cards for me based on the facts that I had been a long time Citi credit card customer, that I had never missed a payment, that I had a very good financial health, and that the overall revolving credit line I have from all of my credit cards is not high relative to my income. The representative asked for my income and helped me submit a re-open request. XXXX XX/XX/XXXX, I called Citi again and found out that Citi declined to re-open those XXXX credit cards for me. Additionally, Citi refused to give the remaining reward points back to me which worth about {$600.00}. Those reward points were earned from the purchases I made on cards XXXX, XXXX and XXXX. On XX/XX/XXXX, I received a letter from Citi, saying that the reason of closure was that my credit report shows a number of revolving credit accounts with balances that are near or at the credit limit, which was not true/accurate, and it was not the same reason as the representative told me on XX/XX/XXXX. Citis claim was not true/accurate because I only made large amount purchases on my Citi cards XXXX and XXXX. I do not have high balance on any of my other credit cards with any other issuers. What is worse, as a result of the abrupt and baseless closure, my credit score ( from XXXX ) fell from XXXX to about XXXX. Citis harmful action has damaged my credit score significantly, especially during a time that I am preparing to buy a house. I am really disappointed at the way Citi treats its long-time and loyal customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX put a negative mark on my credit for payment return from my bank. This was in 2021 during covid and I did explain to XXXX at the time that my bank card had fraud done so my bank put a stop on payments and XXXX happen to be one of them. This happen twice. Each time I let XXXXXXXX XXXX XXXX what was going on and when bank was cleared I did make the payments. XXXX still put this on my credit and refuses to take it off. I want this off my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
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 XX/XX/XXXX, I had lunch at XXXX XXXX in, XXXX XXXX, CA. I handed the server my credit card to pay which took him some time to bring it back to me with the receipt. I had not used my card anywhere else for almost a month after that. About 3 weeks later, I logged in to check my online account but the system asked me to update my password. I tried to update to a new password as requested, but the system would not approve the new passwords regardless of the number of attempts over the course of several days. The first week of XXXX, I attempted to log in again, and the same issue to update the password persisted. I contacted Citibank, where the representative tried to verify my account by validating specific transactions. I was surprised by the transactions she mentioned as I did not make them. The rep recommended closing the account and sending a replacement card with a new card number/ costco membership. I activated the new card on XX/XX/XXXX, where I was able to update to a new password to log into my online account. I was shocked to see that my credit card had been abused from XX/XX/XXXX to XX/XX/XXXX, where numerous charges at physical stores were made, maxing out my limit. During the span of XX/XX/XXXX to XX/XX/XXXX, Citibank never sent nor did I receive any fraud alerts ( texts, emails, phone calls ) ; nor did the credit card get blocked from the abnormal activities. The person also paid multiple times at different time frames for online identity/people searches, which makes me worried about my identity getting stolen. I am seeking an investigation into this financial crime to solve our dispute with Citibank and to find this credit card fraud abuser who was able to get a copy of my credit card and account information. As of XX/XX/XXXX, I contacted Citibank, where the representative stated that there was a card activation of the old card number ending in XXXX on XX/XX/XXXX. I am uncertain as to why Citibank would activate it again. Citi bank has failed to investigate this fairly, and arbitrarily declined all of our disputes stating that we are liable for all charges due to card still being in posession. In the age of information, many credit card abusers can make a copy of a EMV chip, steal credit card numbers and personal information from thin air. Citibank/ Costco did nothing to protect me from this fraudulent grand theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Bloomingdales fraudulently charged by account {$6.00} on XX/XX/XXXX, which I had a XXXX dollar balance. I was unaware of this charge until I received a late notice. Union receipt I called Bloomingdales which stated the amount would be refunded & all fees ( late & interest ) would be credited in full, bringing my balance back to XXXX dollars. Upon receiving the following month 's bill there were still charges, which I called again to have the matter resolved. Same story, they fixed the issue, yet really did not ... .Finally in XX/XX/XXXX Bloomingdales was finally been able to issue all credits to ensure the account is XXXX dollars. Please note while they issued a full credit for everything related to this matter, they did NOT remove the XX/XX/XXXX late payment from my XXXX credit report. The fact this company charged my account in error, issued all credits, yet reported a late payment to XXXX due to their lack of competency to resolve the matter in a timely fashion and will not remove their error of reporting a late payment is disgusting. A company that is filled with errors, which I as a consumer is helpless should NOT have my credit report impacted. The last payment should be removed & the company should be FINED by the government for harming consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX my payment of {$240.00} was electronically sent by my bank to Citibank. Payment was due on XXXX. Citibank waited 4 days to credit the payment and then charged me {$30.00} late fee and {$8.00} interest on the past due amount. This is the second time this has happened. Only at Citibank. The first incident was the exact same scenario. Wait a day to credit the account and charge late fees, easy. That incident was resolved and credited back but now all subsequent charges will not be credited. How does that work when they are at fault? Citibank can do or say what they want, they are the ONLY credit card company I deal with that has this problem. Why is that? How much are y'all making by doing this? I have had my account with Citibank since XXXX and I have never been late with a payment until recently. How is that? Especially when it's electronic from another bank? Let me reiterate, this does not happen with any other credit card company except Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A