Date Received: 2023-03-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My caregiver trapped me in the bathroom and then used my cell phone to send multiple withdrawals from my Citibank account to herself via XXXX without my authorization. She then went to the Citibank ATM and emptied my checking account, again fraudulently. I am totally XXXX and live alone in a seniors building. Citibank honored the ATM withdrawals as fraudulent, but has ignored my numerous appeals to do the same with the XXXX withdrawals nor have they ever sent an explanation for their denials. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX via mobile phone and XXXX Complaint XXXX date XX/XX/2021 Police Officer XXXX XXXX Withdrawl Date XX/XX/2021 {$710.00} Despite an arrest and prosecution, Citibank XXXX Outright " refused to return my money. Fortunately, I now have a way to hold the bank accountable for replacing my hard earned income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I went to the Citibank Headquarters ' branch on XX/XX/XXXX. They advertised me the Citigold Account and the bonuses for opening up an account at Citibank as a new customer. I chose to deposit {$30000.00} for a {$500.00} account bonus and they opened up a Citi Priority account. The terms were to initially keep the funds in the account for 20 days ( XX/XX/XXXX ) to determine the maximum account bonus. After that to keep the funds in the account for an additional 60 days ( XX/XX/XXXX ) to guarantee my bonus. Then finally, wait an additional 30 days ( XX/XX/XXXX ) for the funds to be credited to my account. I have went to the physical branch, complained through email several times, and contacted customer service multiple times through the app and the phone over the course of a month. They claimed to have opened a research case for me on XXXX XXXX ( an entire month ago ) and that it is marked as top priority that has been escalated. It is already nearly 2 months overdue and I have complained multiple times on every source possible ( phone, email, app, in-person ) and I still have not been credited my account bonus. I contacted customer service over the phone on XXXX XXXX to escalate to a supervisor. The supervisor claimed she would call me back within 24-48 hours but this was not the case either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I deposited a check into my savings account with Citibank that I received from one of my tenants. On XX/XX/23 at XXXX I was able to pay a bill and log on to my account. At XXXX my account had been restricted and all access to my account was blocked. I contacted customer service to inquire about my account and was told it was restricted due to the deposit of a stolen check. I told them it was not stolen. He stated that it needed further investigation and call back in 24 hours. I have called and spoken to numerous customer service representatives to be told that they need to verify the check by the maker but every time she calls they tell her that the phone number shes calling from is not in her name. They have already taken the funds from her bank but state that the check is unverified. They sent me an email on XX/XX/23 stating that they are closing my account and no debits or credits can come through but they accepted my direct deposit on XX/XX/23. They now have everything locked in an account and will not give it back for 30-60 days. Attached is proof that the check was valid and was taken from my tenants account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/XXXX Citibank Preferred Mastercard ( ending in XXXX ) cancelled. XX/XX/XXXX {$10000.00} deposited in Citibank ( XXXX XXXX XXXX, XXXX XXXX, CA ). XX/XX/XXXX Used credit cards, told card was delicined, called bank, told account had funds. Told Citibank Master card was cancelled and that automatically forfits my Thank You Points ( XXXX, XXXX ). Told that credit card would be reinstated. Card never reinstated. Wrote to Citi Card Customer Service po box XXXXXXXX XXXX XXXX XXXXXXXX multiple times in XX/XX/XXXX, again in XXXX and again in XXXX. Told by cusomter service I would get Thank You points back and they saw error that card canceled same day deposit was made. Then told card could " not '' be reinstated. Sent over 12+ letters, made multiple phone calls, left messages, spoke with numerous Citi Bank people who escalated this, never got call back. Balance at Citibank mantained same as in XXXX, sent one final letter XX/XX/XXXX, no reponse. I am XXXX XXXX XXXX, COVID lockdown in CA was going on XX/XX/XXXX - told that I would get my hard earned Thank You points back ( {$700.00} value ). Branch manager verified that Citibank credit card made the mistake, and I was told my card would be re-instated and encouraged me to persue this. She told me bank is seperate from credit card so I belive I have done everyting possible and I am sill NOT happy and need to have my Thank You points given back to me. That is why I had that credit card and what they did to me is elder abuse. I would like your help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
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: 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: Below are the claims that have been denied. Citibank has disregarded my rights under the credit card agreement. The merchant has not honored these purchases as I can no longer access my account for switch I paid for. {$54.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$65.00} on XX/XX/2023 {$33.00} on XX/XX/2023 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I wrote my mortgage check to XXXX for {$4100.00} on XX/XX/2023 and mailed it on XX/XX/2023. I learned on around XX/XX/2023 by the USPS by mail in a form letter that envelopes had been stolen and mail was lost and there was an ongoing investigation. On XX/XX/2023 I received a letter from XXXX for a late payment. I then learned that the check had been cashed and eletronically deposited by a XXXX XXXX, not XXXX. I showed all this information to Citibank but they still have not reimbursed me for the stolen and cashed check by another person and not my mortgage company. I have had to pay this fee twice in the month of XXXX causing me much disruption.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had problems with my Debit card and credit card working. I ordered a new one had it overnighted. Now the bank refuses to let me have access to any of my funds in my account. I am a XXXX veteran and am on a fixed income. I use this money to eat and heat my home, and pay for the things I need to survive. I dont know what to do now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I lost my credit card issued by Citi. On the same day, my credit card was fraudulently used ( physically, not online ) at a nearby city by an unknown individual. The following charges totaling {$470.00} were posted to my credit card account : 4 separate charges of {$97.00}, {$96.00}, {$96.00}, and {$96.00} at XXXX located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Additionally, there were 2 separate charges of {$50.00} and {$39.00} at Shells located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. All of these charges occurred before I had realized that I had lost my credit card the same day. When this unknown individual attempted to make additional charges, I was informed of potential fraudulent activities by Citi via text. I responded immediately and filed fraud disputes for these charges. The credit card was also cancelled immediately. A few weeks later, Citi notified that they have completed their " investigation '' and have decided NOT to credit for these fraudulent charges. I then followed up with Citi, and have received no help with this matter to date. Due to these fraudulent disputes being denied by Citi, I now have an additional {$470.00} due on my credit card, which I am not responsible for. I have also filed a police report, which I have attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
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 XX/XX/XXXX I made a balance transfer from my Citibank Diamond Preferred card to my husbands XXXX XXXX XXXX for {$7700.00}. It was an online electronic transfer but Citi chose to mail a physical check to XXXX XXXX. This payment was intercepted in the mail and cashed by someone using a XXXX XXXX bank account. We explained to Citibank that the payment never arrived in my husbands account. They said the check was cashed and we were responsible. XXXX XXXX asked for a copy of the cleared check to see where it went to determine if a mistake was made on their end. It took them XXXX weeks to provide that information to me. XXXX XXXX investigated using the cleared check from XXXX XXXX and they have concluded that the check never reached the intended address. Furthermore the check was cashed by someone using a Capital once account. If the check had arrived at XXXX Communities clearing house the check would have had XXXX XXXX on the back and not XXXX XXXX. XXXX XXXX does not do business with XXXX XXXX. I have contacted a lawyer and am currently pursing a lawsuit against Citibank. Just because they sent a check in the mail doesn't mean it arrived at the payees address. That can and will be easily proven in court. This situation is the equivalent of someone telling you that they are putting money in your bank account and that you will owe them money once the check clears. The next day you check your account and the money you agreed to borrow is not there but Citibank says you still owe them money. It is Citibanks due diligence to protect their customers against fraud instead they are trying to illegally profit from it. I have filed criminal theft charges in XXXX XXXX court against the owner of the XXXX XXXX account. Case # XXXX. That should be Citibanks responsibility and not mine but since they refuse to do their job I am doing if for them. My credit rating has dropped from XXXX to XXXX based on fraudulent reports from Citibank. I I will be suing for damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A