Date Received: 2023-03-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: The representative from Citibank provided me the wrong payoff amount and left {$1.00} on my credit report.This resulted me being 30 days late on my credit. I filed three complaints already my issues were never resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
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 disputed a charge on card ending in XXXX ( Citi Premier ) that occurred on XX/XX/XXXX for {$400.00} ( XXXX pesos ) at an unknown business named CLIP MX*PEKES. The dispute was subsequently denied, but 1. This charge is 100 % fraudulent and this particular business does not even exist and/or is legitimate 2. I was unable to provide adequate detail over the phone because I was on vacation and in transit ( hard to hear and respond ). Detail to reopen my claim is below : On XX/XX/XXXX I was transiting from XXXX, XXXX to the XXXX XXXX very early in the morning. Card ending in XXXX was in my possession until we needed to stop for gas at XXXX XXXX for the legitimate {$55.00} ( XXXX pesos ) charge. At this service station, the attendant took my card and went inside the service station and out of view to charge it.The card was not in my possession at this time, nor was it in view. The fraudulent {$400.00} charge was certainly made at this time, and Id imagine the time stamps are close together since he was out of view for approximately 7 minutes ( unless time stamps can be changed on terminals ). There were XXXX others in the car that can attest to the card being out of my possession and who were with me for the duration of the day, thereby witnessing no transaction for {$400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
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 has XXXX components ; XXXX ) a complaint against a company which wrongfully charged my credit card ( XXXX ) and ; XXXX ) a complaint a against my credit card company for mishandling the dispute which I filed with them ( Citi Card ). XXXX ) I will first explain the fraudulent charge, XXXX ) next the botched dispute process I am still engaged in, and finally, XXXX ) the steps I am taking to continue to try to resolve this matter. XXXX ) Regarding the fraudulent charge by XXXX : In XX/XX/XXXX, I hired XXXX to install a new air conditioning unit at a property I own in XXXX XXXX XXXX, FL. XXXX is the company name. The owner is a man by the name of XXXX. That is all the identifying information I have on the owner. He is a small business operator with a company, who runs his business from his home, and was referred to me by a resident in the neighborhood. I used my Costco Citi Visa to pay for the equipment. On XX/XX/XXXX, I was charged by XXXX {$2800.00} with my knowledge and consent. The service was fulfilled by the vendor. Citi Card paid the vendor for the service, leaving me with a debt to Citi Card. By XX/XX/XXXX, I had paid that balance off to {$0.00}. Meaning all obligations to Citi Card and XXXX had been fulfilled, and I owed no further money related to the AC installation. The XX/XX/XXXX and XX/XX/XXXX bank statements have been included as an attachment I have also included a copy of the air conditioner warranty dated XX/XX/XXXX, to help denote the time of this transaction. My card balance remained at {$0.00} until XX/XX/XXXX. That is when XXXX charged and then immediately returned another {$2200.00}. I was completely unaware of this charge because, ultimately, my balance still ended up at {$0.00} thus I did not examine my statement that month. This charge was made without my knowledge and without my authorization. That XX/XX/XXXX statement has been attached as well. I was made aware of the XX/XX/XXXX charge when, in XX/XX/XXXX, XXXX charged my card for now a third time in the amount of {$2900.00}, and a Citi Card employee pointed it out to me. This XXXX charge stayed on my account and thus it immediately caught my attention. I immediately filed a dispute. This charge was also made without my knowledge and without my authorization. The XX/XX/XXXX statement has been included as an attachment. It is clear to me that XXXX, the proprietor of XXXX, retained my card information and used it to extract money from my account for his own personal gain. I did not do business with this person or company after the initial service in XX/XX/XXXX. This business / person was not authorized and had no cause to charge my account any time after XX/XX/XXXX. XXXX ) Complaint against Citi Card : The above narrative along with copies of my credit card statements and other documents were given to Citi Card verbally and in writing multiple times starting in XX/XX/XXXX when the charges were first discovered. Despite having followed Citi Card 's dispute process, the credit card company continually asked me to submit the same information multiple times ; opened, closed, and reopened my case several times; reclassified my case twice ; and generally gave me the run-around while offering no real assistance for 7 months. Finally, in XXXX of XXXX, Citi Card declared that they could not take any action on case because 'too much time had passed '. This stunned me as I had filed my dispute in same month the fraudulent charge was made and submitted the forms and statements that Citi required. All documentation that I have access to has been included. I submit that it is their own convoluted processes that caused the major delays and that they were attempting to deny me the consumer protections they should be providing to its customers. There is an additional statement regarding Citi Card 's next declaration I will explain in the next section, as I am trying to narrate this chronologically. XXXX ) Steps I have taken outside Citi Card 's process and against Citi Card : After receiving no satisfaction with Citi Card, I filed a complaint with the both my local police department and State Attorney 's General office against Citi Card. Those emails have been included. I also attempted to retain legal representation, but no law firm was able to take this case without it actually being in collections. After this complaint to the AG, Citi Card responded to me in XX/XX/XXXX by saying that, 'since I reported my card lost or stolen, they were referring my case to yet another department within the company '. I responded to Citi Card by refuting their claim that ever reported my card lost or stolen. I never gave them any such indication and this demonstrated another example of how Citi Card is giving me the run-around, attempting to scapegoat me, and eluding their responsibility to protect me as a consumer. My primary complaint right now is with Citi Card. I believed that when I initially filed my dispute, my case was clear and my credit card company would protect my interests. This did not happen. My next step of recourse is to file this complaint with your office. All documents that I have access to have been included. They are provided in reverse chronological order with the most recent correspondence appearing first. AFTER TYPING THIS NARRATIVE, I ATTEMPTED TO UPLOAD THE PROMISED DOCUMENTATION. HOWEVER, THE SYSTEM REJECTED MY FILE BECAUSE IT WAS TOO LARGE. THE UPLOAD LIMIT IS XXXX. MY FILE IS XXXX MB ( XXXX Pages, PDF, INCLUDING CORRESPONDENCE TO AND FROM CITI, CREDIT CARD STATEMENTS, POLICE REPORT, CORRESPONDENCE FROM THAT AGs OFFICE, ETC. ). I ATTEMPTED TO ZIP THE FILE, BUT IT STILL EXCEEDED THE LIMIT. I AM HAPPY TO PROVIDE MY SUPPORTING DOCUMENT ANOTHER WAY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I spoke to the Citibank branch manager XXXX XXXX XXXX XXXX several times to address the issue of receiving 3 letters from Citibank Client Services. The letters indicated they were closing my checking accounts, money market accounts, 2 CD 's and my safe deposit box by XX/XX/XXXX. The branch manager said 'I am not supposed to say this '', however you removed sums of cash ( XXXX to XXXX ) that looked suspicious. I explained that my son is getting married, I donated money to a Ukrainian friend who made several trips to the XXXX and US dollars are always helpful. I also sold my vacation house in Florida last year and needed a lot of last minute fixes for the deal to go through. I have been a Citibank customer since XXXX ( 38 years ) and have never had any issues with my accounts. My wife is handicapped and opening a new account and resetting all our automatic payments to utilities, credit cards, phone bills etc. will be a hardship. My wife and I ( join accounts ) have no criminal record and several of those cash withdrawals were in XXXX. We are also Citibank Gold Priority members.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10956
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Citi bank credit card Card numberXXXX This credit card earn credit reward {$7200.00} end XX/XX/XXXX When I closed my business on end of XX/XX/. Citi bank cancel my credit card account by bank policy. The service rep told me clearly. He will transfer to personal account and receive the credit rewards automatically. But it take two months long to set up my personal credit card accounts. Then they did not also transfer my cash rewards to me. I feel Citi bank stole my money which I supposed to earn from my credit card transactions. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Best Buy citi bank credit card is charging an unexpected high rate intrest charge for the month of XXXX. I've requested a signed contract with multiple attempts and they have failed to provide it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: three months ago the bank blocked my account due to fraud alert. After being bounced around between departments throughout many phone calls, the specialized fraud department acknowledged the block, but then refused to verify my identity ( despite me providing 3 different phone numbers all of which they were misteriously unable to reach, mi SSN, my mailing address my debit card number and credit card number ). They told me to wait until a physical letter arrived to my mailing address with a security code. It's been 3 months. The letter never arrived. I've called more than 10 times in the meantime, all of the times they refuse to engage in conversation with me after claiming to be unable to reach my phone numbers on file, and hang up after telling to wait for the letter. I have been denied access to my money and savings for 3 months now and have not been able to even file a formal complaint with them because they have no such department. I NEED HELP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank Inc recently sent me an offer to open a checking account with them. It was an offer that I would receive {$1000.00} bonus if I deposit $ XXXX with them in the next 30 days. I opened my account with an initial deposit of {$25.00} and then deposited {$30000.00} more into the account. They also have an option to connect the account through XXXX which verifies bank accounts instantly. I had linked my XXXX XXXX XXXX checking account to my new Citi Bank account and scheduled some external transfers after XXXX verified to Citibank that was my account. Citibank cancelled my transfers, and then did an " investigation '' and ended up closing my account. I tried calling probably 10 different times. I have no access to my money, when I call Citibank they can't find my account and have sent me no documentation whatsoever about my account. I have proof of all my documents, and currently Citibank has {$30000.00} of my money that can't be tracked. I did some more research into Citibanks practices and found that this has happened to quite a number of people, the same people that have gotten offers to move a large amount of money to their institution. Please help as Citibank has been no help and has not send me anything in the last 5 weeks in regards to a statement, funds being held etc ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98406
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have made several disputes over and over again and every time I do they drop my credit score and make it worse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/28 I submitted a payment to XXXX XXXX via my Citibank XXXX Acct. I also have a personal checking acct. The personal acct was negative at the time due to Citibank letting a fraudulent charge go though in XXXX which I fought. On XXXX the payment was completely processed and received by XXXX XXXX which I have evidence. I had a balance of XXXX available still AFTER the payment was sent to XXXX XXXX. Citibank then overdrafted my account {$170.00} which made the joint account negative. I was threatened by a supervisor at Citibank that they would take the money back from XXXX XXXX if I didn't put more money in my account today. I was also told they " don't care about XXXX XXXX and if I receive NSFs from them, it's not their problem '' per the supervisor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A