Date Received: 2023-02-23
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/2022, CITIBANK FRAUD DEPARTMENT Texted me that multiple Fraudulent Charges were put on my credit card, a card that I had not used for 6 months. I immediately called them & they said they would be fixed. Not all charges were taken off & they are trying to Charge me over XXXX & interest & fees for some of the Fraudulent Charges. I HAD NOT USED THIS CARD FOR over 6 months, I should have a XXXX balance! Many representatives said this would be fixed within 7-10 days. XX/XX/XXXX XXXX XXXX XXXX. XXXX said they had decided to CHARGE ME FOR THE FRAUDULENT CHARGES! Totally Frustrated here that they are trying to charge me now after so many said that this FRAUD was fixed already
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX, opened a Citibank credit card account ( Citi Rewards+ ) and requested statements be sent via US Mail. ( I have several Citibank accounts- they are all set up for statement delivery via US Mail ) I did not receive any statements for this account. After 60 days, Citi reached out to me to let me know they had not received payment. I inquired with Citibank about the statements. Citibank did not know why the statements had not been sent and was unable to resolve. I paid the amount due in full immediately and Citibank refunded a {$40.00} late fee and agreed to adjust credit agency reporting. I did not use this card any longer because of the unresolved statement issue. This week, I applied for a mortgage and was informed that credit approval it was going to be an issue because Citibank was reporting a 30 day and a 60 day late payment on this credit card account resulting in significant decline in my credit score. I spoke with Citibank on XX/XX/XXXX and they were unable to determine why I had not received any statements. We did a series of tests, switching the account to electronically delivery to see if I could receive electronic mail from Citibank. While I receive other communications from Citibank electronically, Citi was unable to send anything related to this specific account to my email address. Obviously, there is a technical issue prevent statements from being delivered. ( Notwithstanding their initial error in not sending statements via US Mail ) Citi could not figure out why the account was not originally set up for US Mail delivery as explicitly directed and was not interested in resolving the issue. I have not used this card since the initial statement delivery issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: my complaint since XXXX of XXXX was why XX/XX/XXXX was returned? My bank has record of fund received for 24 hrs then returned. I received no alerts of return payment. Citi bank personal account records show. {$31.00} beginning balance * XX/XX/XXXX Mobile Purchase Sign Based XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Restaurant/Bar {$23.00} remaining balance * XX/XX/XXXX ACH Electronic Debit XXXX XXXX XXXX XXXX {$6.00} end balance * XX/XX/XXXX Returned Insufficient Funds - ACH Txn By returning the payment Macys then charged additional fees. {$24.00} ytd fees XX/XX/XXXX statement on {$10.00} alleged balance. By XX/XX/XXXX statement a {$110.00} charges on the {$10.00} balance. This was disputed in XX/XX/XXXX and Macys should have of investigated and stopped collections but continued to add fees until I finally paid {$16.00} in XX/XX/XXXX. My account say in dispute on Macys.com.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: CitiBank sent me an email on XX/XX/XXXX stated that my CitiBank checking and saving account will be closed. Since then, I can not access my accounts anymore. There's still around {$16000.00} remaining balance in the account, and I called CitiBank on XX/XX/XXXX and their back office responded that the remaining fund will be sent via a mail check to me. Until today ( XX/XX/XXXX ), I still have not received the check. In XXXX, and XX/XX/XXXX, I went to the Branch several times ( located in XXXX XXXX XXXX, XXXX XXXX NY XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ), and each time the banker can not find my fund no matter via their system or by contacting CITI back office. I also called Citibank customer service and back office, and each time they provided me with different responses, such as your fund has been sent via ACH to your bank account, or your fund has been sent via a check, or your fund is still being held with the bank, or you need to wait until 90 days after the closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, Citibank closed my account back in XXXX of XXXX by stating security reason. When my account was closed, I had USD XXXX in the account. Bank only refunded XXXX via check. After multiple requests I received the letter saying that bank will issue 2nd check in amount of USD XXXX however the 2nd check never arrived. I called many times at the bank to obtain tracking number but they did not provided that. I would like tracking number for the check the bank is stating that they issue. On XX/XX/XXXX bank said that they issue check for XXXX but I did not receive anything yet. In addition to that bank never answered on how to get remaining fund of USD XXXX. That fund was deposited by my employer via direct deposit so I would like Citibank to send that money back to employer so my employer can reissue the check. I have talked to my employer multiple times as well but they are waiting on bank to release the fund back to employer ( XXXX ). My employer is not able to reiisue the direct deposite until bank releases the money. I tried calling bank more than 25 times but no resolution. This issue is going over 120 days without any explanation Citibank has been holding ( stealing ) my money. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60133
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 I opened an account with Citi bank at XXXX XXXX XXXX NY location both saving and checking. The banker requested new debit card for me. The first one, I never received it, so she requested the other one for me. Somehow on the 26 of the same month, someone used my lost Debit Card went to XXXX XXXX NY location withdraw {$3300.00} total from teller, which I dont know how teller gave that person my money. And they used the card at ATM machine try to withdraw {$2000.00} cash. At that point, bank send me an alert. I called the customer service frozen my account and filed a claim about the money that they took. On the XX/XX/2023, Citi Bank send back a letter states that because that person used the card, my request was denied. Here I am filling a complaint against CiTi bank, without properly verify my information gave my money to other unauthorized person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Received offer XXXX 2022 for a {$450.00} bonus for opening a new savings account after keeping $ XXXX in for 3 months. I did this, but it has now been over six months with no bonus deposited. I've called and chatted with customer service four times now, and they could provide me no information other than opening a " case. '' At first they told me it would be 5 days, then another week, then another week, etc. It is still " pending '' over a month later. There is no reason for me to believe this will ever get resolved despite their written offer in 2022 with the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citigold checking acct on XX/XX/XXXX ( over the phone - there are no branches in my state ). I selected a bonus program available in my zipcode offering a bonus if specific rules are followed. The acct was fully funded by XX/XX/XXXX, meeting the rules. I also kept in touch with my " relationship managers '' to ensure everything was done correctly so I could collect my bonus. I chose the {$300000.00} level. The rules then state to : maintain the required Minimum Balance ( {$300000.00} ) in your eligible account for an additional 60 days from the 21st day. The cash bonus of {$2000.00} will be deposited into your open, eligible account within 30 calendar days ( XX/XX/XXXX ) after you complete all required activities. I met all the rules and verified with my relationship managers, but did not receive my bonus. I was told there is a work shortage and there will be a month delay. I found this excuse to be questionable as the bonus program is currently being advertised and Citibank is a XXXX XXXX business. I emailed my relationship manager but he did not reply. I called several departments but could not get answers. I was told by one rep that I did not follow the rules so that's why I did not get the bonus. I finally left a msg for the manager of my relationship manager- still waiting for a reply. I am XXXX and XXXX and try my best but I feel that this may be fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02889
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
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 thought that I was ordering a weight loss product for the price of XXXX. But the company sent me a notice a few days after the purchase stating that the purchase costs XXXX and then they gave my credit card number to another company that charge me {$190.00} for shipping. I never gave this other company my credit card information so I filed a complaint with Citibank since I used my Citibank Best Buy credit card. Citibank was very uncooperative with completing my complaint and I have submitted everything that they ask me to submit but they still have not refunded me. I also told the company that I ordered from that I didn't want their product and they sent me a message via e-mail to inform me that they have cancelled the order and refunded {$49.00}. Then a few days later Citibank sent me a message saying that they have refunded my account {$49.00}. I asked them why they didn't contact the other company that I NEVER GAVE MY CREDIT CARD TO, and they finally agree to admit that it was in fact a fraudulent charge since I never gave them my credit card. However Citibank employees are treating me like I am an old woman who doesn't know what is suppose to happen next. This is really very much a case of Financial Elder Abuse and this case has been open with the horrible folks at Citibank and they have not refunded the {$190.00} charge that I never approved. I have called them and spent a total of 2 hours on hold with no solution to a very simple problem. This horrible company never sent an order to me and they have my {$190.00} dollars ; this is a crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX, XX/XX/XXXX, XXXX & XXXX of the year XXXX as well as XXXX & XXXX of XXXX, I fell behind on payments because of the unforeseen occurrence of XXXX prohibiting me from being able to work. I was without a job prohibiting me from making payments. These late payment are continuing to affect my credit score tremendously and is continuing to affect my ability to take care of my family not being able to get approved for living. In accordance with the Fair Credit Reporting Act. 15 USC 1681 Section 602 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A