Date Received: 2023-02-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I responded to a bonus offer of {$2000.00} to open a Citigold checking account if I deposited {$300000.00} and mantained that balance for 60 days beyond the XXXX day of my initial deposit. I followed all terms and conditions necessary to qualify for this bonus. I opened my account on XX/XX/XXXX and maintained a balance of over {$300000.00} until XX/XX/XXXX. I kept over {$300000.00} in a non-interest baring checking account over XXXX to received the {$2000.00} new account bonus, but it was never paid. After speaking to my Citigold account manager, XXXX XXXX, she stated the Citibank was " behind '' in their bonus payouts and encouraged me to leave the money in my savings account until they could finish their investigation in another 2-3 weeks. Meanwhile my {$300000.00} was collecting XXXX interest as I waited for them to do their 'research. ' I later received a letter through Citibank 's secure messaging system that was pre-dated XX/XX/XXXX. It stated I was 'not eligible for this offer if they are or were a signer on an existing consumer checking account within 180 calendar days of opening the new account.Your account records indicate you have existing checking account number ending in XXXX which was opened on XX/XX/XXXX. ' This makes XXXX sense because why would they mail me a promotion ( twice ) if I did not qualify for it? I opened the XXXX checking account ( XXXX ) 2 years prior, NOT within180 days of opening the account in question ( XXXX ). Citibank has created an unethical scheme to sit on customers hundreds of thousands of dollars and collect interest -- in my case, {$300000.00} over the course of 90 days. I am requesting the {$2000.00} sign on bonus promotion Citibank originally advertised to me ( in XXXX separate mailers ) be paid to me ASAP, as I have lost significant interest as these funds sat in their account while I lost interest over the course of XXXX months. I am outraged this bank has acted so unethically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33401
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XXXX, XXXX I had a balance of {$780.00} due on my Macy 's credit card. I initiated a balance transfer from my XXXX XXXX with XXXX XXXX of {$780.00} to pay off the Macy 's card. In XXXX I noticed there was no action taken so I called them for an explanation. On XX/XX/2022 they sent a letter stating that they sent a check, no. XXXX dated XX/XX/2022 for {$780.00} to the payee and the transaction was completed. So the account was put in dispute and after numerous phone calls, etc. Macy 's turned it over to the XXXX XXXX XXXX and they assured me the account was froze and no more additional fees would be charged. As of today, I have not received an answer on this and they keep sending me updated bills adding that fee. When I phoned XXXX to check the status, they couldn't tell me anything but that it was closed. Yet I got a note from my bank that they have flagged this and it could go on my credit report. I am so upset and have spent so much time on this. When I called XXXX today, they just disconnected me, like they didn't have an answer. I am begging you to please help me with this. That check was applied somewhere and no one knows. At one point they had my wrong birthdate and not sure that could have affected things. Please help me with this. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55304
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: Unexpected or other fees
Subissue:
Consumer Complaint: Today, XX/XX/2023, I logged in to THE HOME DEPOT services account to make a payment on my bill. I authorized a payment of {$250.00} on their website. At approx. XXXX XXXX today ( Central Time ), I was checking my emails and found a message from Home Depot at XXXX XXXX which indicated {$6100.00} had been submitted for withdrawal from my account by EFT. I did not authorize that amount. I have a XXXX XXXX and can not constantly check my email and was quite surprised this had occurred. When I found out, my bank had closed in-office banking hours and unable to stop the payment. I called Home Depot services # on the back of my credit card and the lady tried to help but because it was after their business hours in New York and I was out of luck. The withdrawal is scheduled for tomorrow XXXX and these transactions usually show up in my account around XXXX XXXX ( CT ) -- before my bank XXXX XXXX Bank ( routing # XXXX ) opens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was solicited with a promotional APR e-mail by Citibank Retail Services for their Wayfair credit card. The promotion reads : '' with one click, please enjoy this promotional APR of 2.99 % on all new purchases after activation made outside of Wayfair, XXXX & XXXX, XXXX, XXXX XXXX and XXXX with your Wayfair Mastercard until* XXXX " I activated the 2.99 % APR promotion and then made a purchase of {$4700.00} OUTSIDE of Wayfair as the promotion stated. I have since been charged +30 % interest for 3 billing cycles. While being charged over 30 % interest, I continue to receive e-mails from Citibank Retail Services that read as follows : " remember, your limited-time promotional rate of 2.99 % applies to all new purchases made outside of Wayfair, XXXX & XXXX, XXXX, XXXX XXXX and XXXX with your Wayfair Mastercard untilXXXX XX/XX/2023 '' I spoke with 2 customer service representatives for Citibank Retail Services and neither of them could " locate '' the promotion that I was referencing. When I offered to forward the e-mail, the representatives said they had no way of receiving e-mail. I was then intentionally transferred to a non banking department that was completely clueless about to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am filing a complaint against Citibank for terminating my Costco Citibank Account without reason. I have held the account since XXXX and have held it in good standing without a single late payment. I unknowingly let my Costco membership lapse, it expired in XX/XX/XXXX. I continued to use the card spending thousands without any word from citibank that there was a problem. I didn't hear from them until they closed my account on XX/XX/XXXX. In their letter they stated that if I paid my membership dues my account would be reopened and that all I had to do was call and request that that action be taken. I paid my dues on XX/XX/XXXX then called on XXXX separate dates to have my account reopened. I was denied all three times. If you hold a Costco Citibank Card you are paid a reward check that is sent out on XX/XX/XXXX for the previous year 's cash back. I spent over $ XXXX on my card and am due several thousand dollars in rewards. When my request to reopen my account was continually denied I called XXXX to verify that there had not been any derogatory marks on my credit or that my credit score had dropped. There have not been any changes. In fact my credit and household income has increased dramatically in the 15 years Ive held the account. The only reason I can see for Citibank denying my request to reopen my account is because they do not want to pay me my rewards check. I am appalled and disheartened at the treatment I am receiving after being a loyal customer for 15 years. I expect my account to be reopened and for my membership benefits to be intact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Attempted to purchase online from XXXX approximately XX/XX/2023 or before. XXXX decline my charge. I call Citi Costco to find out why this credit card has been declined and they told me a letter will be sent to me within 7-10 days and call them with a reference number. So I could receive a credit card with a different account number. I never received this card. I call Citi Costco again inquiry the delay of this credit card. Again I was sent another letter with a the reference number within 7-10 days and again call them with a reference number. Then Citi Costco called me and asked if I have moved and other questions about my house number, or use another address or have been in New York. My answer was no, I haven't left the State of California in years. I was then inform my credit card was being used in New York on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 for amounts of {$2000.00} for each transaction. Citi Costco did sent a replace credit card to the address XXXX XXXX XXXX, XXXX, NM XXXX. Apparently the fraudulent person change the address and even made a payment to Citi Costco for {$83.00} electronic from a phone. I do not pay by bills by phone " fast mail ''. I did not open a paperless on Citi Costco in the month of XXXX and XX/XX/2023. Citi Costco would email me when a payment was due and mailed me a statement. I did not have an online Citi Costco account. So, that communication on email was not sent due to the email was change by the fraudulent person. Once I received my new card I did register on line to see my statements learned I was charged a late fee for non payment and notice on the statement it was mailed to the fraudulent person 's address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92595
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Sears Matercard Requested a credit line increase from {$2800.00} to XXXX. Received a letter dated XX/XX/2023 stating that Sears had increased the credit line to {$2800.00}. The {$2800.00} was the current credit limit and there was no increase. Called customer service and was told that credit increase request was denied. Customer Service rep could not explain. why it was denied. I had this card for over for 40 years, have a yearly income over XXXX XXXX, a credit score over XXXX and have paid in full every month with no late payments, Based on the above I am requesting a explanation why the credit line increase was denied,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello I contacted Best Buy credit card ( citi bank ) because of interest fees on my account. When I first opened my credit card with them I was told I wont get charged interest fee if I make my minimum payments each month. And unexpectedly Im getting charged interest. Misinformation was provided to me and company should be hold accountable. Also theres a recorded conversation between me and the representative
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sent correspondence to company that the debt was paid and not owed they sent a letter stating that they would respond and haven't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A