Date Received: 2023-02-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Reported fraud to Citbank on XX/XX/XXXX. Two charges, one for {$65.00} ( XXXX XXXX ) charged XX/XX/XXXX and another for {$170.00} ( XXXX XXXX ) charged XX/XX/XXXX. Credit Company never responded to my request. However, they did replace my card and credit card number as suspected fraud on acct. I called XX/XX/XXXX, as a follow-up and CSR told me that fraud dept never did the investigation. I would like my account balance adjusted to remove the two fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/, I opened a new Citi Accelerate Savings Account via the Citi website. Although this is a new account, Ive been a Citibank credit card holder for XXXX years, have a credit limit of {$12000.00}, and a XXXX score over 800. My financial record is spotless. On XX/XX/XXXX, I funded my new savings account with a {$21000.00} ACH transfer from my XXXX Savings account. On XX/XX/XXXX, I made a transfer of {$10000.00} from my XXXX XXXX XXXX account and an additional {$5000.00} ACH transfer from my XXXX Savings account. I am the individual account holder of all of these accounts, which all have the same address, phone number and other details. A few hours after my XXXX XXXX transfers, all traces of my savings account disappeared from the Citi customer portal, but my credit card account remained available. I immediately called customer service and was told there was a fraud alert and the account was temporarily blocked. On XXXX XXXX I called the fraud department at XXXX and spoke to XXXX. He couldnt see an issue, but saw that Citi was in the process of closing my newly opened savings account. He told me he was escalating the issue for review. On XXXX XXXX I was informed that, based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result your account will be closed. For the next 60 days they will hold on to my {$36000.00}, will not give the XXXX % advertised interest rate and will only mail me a check for the principal amount in XXXX months. My complaint : I followed Citis process for creating and funding a new savings account, yet they arbitrarily closed it and are holding my {$36000.00}. They will provide no details about how my funding of the account violated the terms of my account. In addition to holding my {$36000.00} hostage, Im losing XXXX months of the promised XXXX % interest - approximately {$230.00}. Citi is actively advertising and encouraging people to open and fund a new savings account. After funding, Citi closes some accounts and for the next XXXX months, uses peoples money without paying interest. The internet is full complaints that match mine XXXX XXXX XXXX XXXX If there is violation going on, its from Citi, not me. I hope you can assist in getting my money back in a timely fashion. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance of XXXX. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my {$15000.00} back via a mailed check to my address even though it took a matter of minutes for them to debit my TD banking account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my funds back via a mailed check to my address even though it took a matter of minutes for them to debit my XXXX XXXX account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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/2022 I went to an XXXX XXXX in XXXX to finance and audio system for my truck. Their financing partner is Brandsource by Citibank. The system was {$4100.00}. Immediately after getting my truck back I texted XXXX XXXX to state I wanted to return the system as the head unit they recommended was malfunctioning and had mutlipe issues. The store refused to allow me to return the merchandise and only offered to look at it in the shop. To this day the unit continuously malfunctions. Some things I've experienced are : audio muffled, audio blasting, absolutely no audio coming out, phone constantly dropping from wireless connectivity, screen freezing, and others. In order to fix whatever is happening I have to pull over, stop the engine, and then restart the engine. This has resulted in many situations where I'm on the highway and I just don't get to use the device I paid a lot for because I don't have time to pull over. It's a very disappointing situation being stuck with defective merchandise in my truck that I drive much more frequently than the average person, especially at the high ticket price I've had to continue to pay. I disputed charges with Brandsource and they denied my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XXXX XXXX 2022 I was given an offer while paying my Citi Bank credit Card. The offer was as follows : Enroll in a high yield savings account and receive a bonus offer up to {$450.00}. I opened the account and funded it immediately with {$50000.00}. I was to maintain that balance for 60 days and whatever the balance was on the XXXX day and maintained 60 days after the XXXX day would determine the bonus After an additional 30 days, I would receive the bonus. I fulfilled all these requirements and have not recived the funds. I have opened a case ( # XXXX. the case was opened on XX/XX/XXXX. I have called repeatedly and told the case is ongoing by one person and closed by others. The bonus offer code is XXXX XXXX I have a confirmation email outlining the the requirements and I have fulfilled them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I noticed an unauthorized check draft posted on my checking account for $ XXXX immediately filed a complaint with Citibank but they never seems to care to go through with the investigation I tried to inquire every 2 weeks to see how the case is going but always end up on a dead-end. Now after 5 months they're telling me that the case was denied please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is related to a Citibank Double Cash Card MasterCard. I always pay my full balance on time. This year XXXX XXXX XXXX fell on a Sunday, so the holiday was observed on Monday, XX/XX/XXXX. Typically the due date would shift to the next day when it falls on a weekend, and shifts again in this type of situation. My bank made the scheduled payment on XX/XX/XXXX as both they and Citi were closed in observation of the holiday. However, Citi charged me a late fee of {$39.00} and interest of {$500.00} on a balance that had been paid on time and in full. I called Citi and they removed the charges from my account. However, this has clearly be done to many customers, and from my perspective is highly unethical and could be considered fraudulent. It is concerning that they are only addressing the issue for customers who call to complain as this is a widespread issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022, I opted to open a citibank checking account promoting {$50000.00} for a {$1000.00} bonus. Ive met all terms and conditions. I never received the bonus. Several expedited inquiries, including requests from the branch manager have all been ignored. Its been OVER 5 months since the initial deposit was made.
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: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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/XXXX, I noticed several emails from Best Buy that orders were placed on my BB Citibank card and that they were ready for pickup. One email had already confirmed that the items were picked up. I was out of the country ( XXXX, XXXX ) at the time and these items were picked up in Arizona. I was able to cancel the orders that werent picked up yet, however was too late for the other one. It was a charge for $ XXXX. I submitted a fraud report through BB Citibanks online portal and received a letter in the mail several weeks later stating that the investigation was complete and that the charge was fraudulent and there was nothing else I needed to do on my end. Then about a month later I am getting emails from BB stating that I owe $ XXXX. I called and spoke with a BB fraud XXXX representative who stated that he did not see anything in the system about a fraud charge report nor any investigation and that I still have the charge on my card. He said that he would report the card as lost/stollen and open up another investigation. This was a few weeks ago and now Im getting harassing messages saying that I am past due. No follow ups about the investigation at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A