Date Received: 2023-03-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I don't know why I was charged a {$43.00} charge in XXXX and a subsequent {$2.00} fee in XXXX, 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
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: To whom in may concern, Thank you for taking the time to help me out with this matter. This case concerns Citibank/Citi.com 's unwillingness to assist me with a dispute they incorrectly filed and closed. I called Citi to get some help filing a dispute because their website was glitching. One of Citi 's representatives filed the case incorrectly, and no proof was submitted. I called multiple times in XXXX, and multiple agents repeatedly told me that a correction would be made and I would have a chance to submit supporting documents, and the dispute team would contact me. But to my surprise, the case was closed. After contacting them multiple times, again, and submitting all the proof, they re-opened the case. But today, on XX/XX/2023, Citi closed the case with incorrect info, saying I've received the full refund already when I clearly haven't. The image " Citi Denied '' should show how Citi 's statement about me receiving the full refund is incorrect ; it even shows that on the PDF.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied a credit card by Citibank as a credit-worthy applicant on. This is considered discrimination according to 15 USC 1691 and 12 CFR Part 1002 ( Regulation B ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I need the Consumer protection board to intervene with Citibank. On XX/XX/XXXX, Citibank clawed back funds from my checking account for a check I deposited In XXXX of XXXX for the amount of {$2000.00}. Citibank also identified 3 more checks of {$2000.00} that were deposited last year they now consider suspect. They plan to return these additional checks to the drawer as soon as my account is funded. The bank did not supply me any explanation as to why they are returning the funds to the drawer after 5 months or why the checks are suspect. Because Citibank is debiting my account these large amounts, My ACCOUNT IS NOW OVERDRAWN AND MY MONTHLY BILLS ARE NOT GETTING PAID. Citibank is taking XXXX of XXXX from my account and refusing to explain why. For several weeks I have been contacting Citibank in order for them to verify why these checks were returned. I have spoken to Citibank customer service. I have spoken to supervisors in customer service. During this time, I have been told repeatedly that an explanation for why the checks were returned would be forthcoming. This has not happened. Despite being promised that an e-mail explaining why these checks are being returned would be sent to me, no e-mail has been received and no explanation for the checks being returned has been supplied. I need a document to provide to my attorneys, explaining why Citibank started returning these deposits that were made and credited to my account 5 months ago. I received 2 vague documents from Citibank with check images and a separate letter stating check # was inadvertently deposited on XX/XX/XXXX. There is no explanation of what inadvertently deposited means. Furthermore, the checks were not in inadvertently deposited they were deposited at the instruction of a branch manager in XXXX XXXX, NJ. Citibank has now stated that a number of other checks were inadvertently deposited. There is no explanation for what inadvertently deposited means and it appears they intend to take {$10000.00} from my account with no clear explanation as to why. The explanation and documentation I need that describes why my bank account was debited has not been forthcoming although it was promised several times. I am entitled by law to an explanation from them and was promised has been stonewalled by Citibank. Instead of providing me the document I have been demanding daily and for last 2 weeks, Citibank is now calling me to collect more funds and return them to the drawer.
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: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
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 have had a Citibank card since XXXX of XXXX. I have always always paid my bills on time and have always used the card responsibly, by which I mean not giving anyone else access to my account, not using it to make purchases from questionable or insecure websites, and maintaining strong security measures on my personal computer. Nevertheless, beginning in XXXX of XXXX, there were four instances of fraudulent use of the card. In the first three cases, Citibank identified transactions as potentially fraudulent, notified me promptly, received confirmation from me, and issued new card numbers. The third time this happened, I had had the new card only a week and used it perhaps once, which I regard as proof that the information breach did not occur as the result of any carelessness on my part. Around the middle of the year I began taking advantage of the fact that Citibank offers customers virtual card numbers that their website claims are virtually impossible to steal. The fourth instance occurred on the evening of XX/XX/XXXX, when a series of transactions and attempted transactionsusing a virtual card numberhappened within the space of just a few minutes. Citibank informed me of only one of these, which it had declined. Four unauthorized purchases from online retailers had already gone through, and my account was charged a total of {$1100.00} for items I had not bought. During a lengthy telephone conversation I disputed all of these charges. I was informed during this conversation that my card had been cancelled, as had occurred on the three prior occasions. I monitored my account daily thereafter and grew increasingly agitated when, not only were the fraudulent charges not removed, Citibanks website stated that no charges had been disputed. My agitation grew when four packages arrived, addressed to me, from retailers I had never done business with ( and in three cases had never heard of ), containing things I would never have dreamed of buying. I made contact with all four retailers, explaining the peculiar situation, and all four packages were returned. I can not account for the fact that the person who made fraudulent use of my card had their purchases sent to me ; it has made the entire process much more difficult than it would have been otherwise. Over the course of several weeks I spent untold hours on the phone with Citibank and the four retailers, and wrote Citibank six succinct and detailed letters requesting that the fraudulent charges be reversed and, finally, closing the account entirely. On XX/XX/XXXX, a week after the event, I paid Citibank every cent remaining for which I was responsible. ( At that point, Citibank actually owed me money, for cash-back programs and interest on the purchases I had not made, but I could not calculate the precise amount. ) The Citibank website has no mechanism for making contact other than insisting that all issues must be dealt with by phone. After the truly horrendous conversations I had already had, I refused to submit myself to their abuse again. In addition to incompetence and ill treatment by their telephone personnel, their phone lines ( in other countries ) are substandard, such that it was almost impossible to hear the people I was speaking with. Note that I am not hard of hearing and have no such problem talking with any other company on the phone. There has never been a response to any of my six letters. It appears that three of the four charges have been reversed, presumably by the retailers involved. One charge remains, which I have no obligation to pay. Citibank has recently reported to XXXX that my account is in arrears, and my credit rating has gone down significantly. When I filed a dispute with XXXX, providing all the details, their response was that the information was correct and that my credit report would not be revised. Not only has this event been a colossal waste of my time, the way I have been treated by Citibank has had a negative effect on my physical and emotional health. It has now occupied my mind every day for nearly three months. Even now, as I describe the situation yet again, I literally feel my XXXX XXXX XXXX XXXX XXXX XXXX rising to an alarming level. I have been treated despicably by Citibank and urgently request your assistance in clearing my name and my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: XXXXX
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a Citibank promotion to open a Checking account. The promotion was for a {$1000.00} bonus for depositing {$75000.00}. I opened it at their XXXX, IL branch to make sure I did everything right. The promo was as follows : Open a new checking and enroll in offer. 2. Deposit funds within 20 days. I deposited the same day.3. Maintain balance for 60 days from the 21th day. I opened the account on XX/XX/XXXX. I am still waiting for them to deposit the bonus in my checking account. I contacted citibank and was told that I should have received the bonus and thy would open a dispute on XX/XX/23. I should be resolved in 5 days. It has not. I went to the XXXX branch and asked them to check into. They said they would email the person handling the dispute. They said they would contact me later. Nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I XXXX XXXX from XXXX XXXX XXXX XXXX. Opened a citibank checking account on XX/XX/2022 in response to a bonus offer for new accounts. The offer was {$50000.00} for a {$1000.00} cash bonus. Ive met all terms and conditions and never received the bonus. Multiple inquiries have been ignored. The branch manager, XXXX XXXX at citibank XXXX XXXX XXXX XXXX NY XXXX claims she cant help. I see online MANY people are having the same issue as me. The offer seems to be fraudelant and it seems Ive been scammed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX or XXXX XXXX XXXX has now called me back to back within 2 seconds of each other 2 days in a row. Both times i answered they asked for myself and the call ended. At this point i am feeling harassed and i believe this is a violation considering both times i answered my phone and they asked for myself. This is also not including the other days that they called me this week. I am going through a hardship currently and this is just adding more and more stress with the back to back calls harassing me which is adding more stress. I attached all calls that i have gotten from XXXX XXXXXXXXXXXX XXXXXXXXtoday XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08080
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX there was a hard credit inquiry made by Citi Bank NA, Best Buy. I did not apply for a new credit card. I called Best buy and it was confirmed that someone tried to open a credit card in my name for Best Buy, They cancelled the application and reported it to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: First of all, I really appreciated CFPB helps customers to have their rights and what they were originally promised. I submitted my 1st case XX/XX/XXXX and received the answer XX/XX/XXXX. However, I can't accept Citibank 's answer that they kept lying to customers. COMPLAINT ID XXXX [ Original complaint ] There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than 3months, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI . After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives every time I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. They couldnt told me what kind of code was missing because they didnt know, either. This does not make sense at all, and I can not believe how CITI bank scammed customers. [ My response for Citi 's response about the above case ] Citi sent me an email that I should send them the proof that the promotional offer was directed and addressed to me, but I believe that CITI bank can not send me the direct email because the offer is for the new customers who opened their 1st checking account. How can they send the direct email to a person who is not their customer? That is why CITI Bank is using so many advertisement, articles and influencers to make people to be their customer. I want to ask CITI that show me the promotion that requires the promo code. It was a promotion for PUBLIC not for the specific targets. Citi bank also says on their website that it's just new-to-bank, transferred from outside of Citibank. ( file attached ) https : //online.citi.com/US/ag/banking/special-offers Moreover, CITI told me that they sent me the same response for 2 times but I have never received them. They sent me so many advertisement, but not the one that I was promised to receive : their feedback. I called them more than ten times and what I heard was only 'You are eligible for the promotion. You'll get the bonus offer within 5 days. '. I just do not understand the way CITI managed their mistakes. Please please correct their lying and scamming customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A