Date Received: 2023-02-24
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/2023, I obtained a personal loan from CItibank, where I have a credit card. One of the features of obtaining this loan that appealed to me and factored into my decision to commit to the loan was the ability to access my loan account information and make payments online. After I committed to this loan, I received an email saying that my loan account information would be visible on my " account dashboard '' when I log into my credit card online account. This information is not available in my online account dashboard for any account. I still do not have any type of online access to my account information or any ways to make payments online. I called Citibank on XX/XX/2023. The customer service agent said that Citibank was having problems setting up online access to accounts that have 11-digit account numbers, and my account had 11 digits. The agent told me this problem was ongoing since XXXX of this same year, but that he hoped and expected that the situation would be resolved within 24-48 hours. After 48 hours, I called CItibank again on XX/XX/2023 and was told that this is an ongoing situation and they have no estimate of how long it might take to fix.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Citi Best Buy Credit Card was closed by the grantor due to returned payment on XX/XX/2022 for {$340.00}. This payment was not initiated by me and was attempted to be withdrawn from a XXXX account with insufficient funds. I was told the account can not be opened back up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am identified in all credit reports as an authorized user. No knowledge of this card or being an authorized user for this company/card. Showing current and on time monthly payments but at a 96 % utilization on a XXXX limit. I am not making payments on this card. Showing XXXX Credit Report on XX/XX/XXXX, with balance due of {$240.00} and limit of a little over {$8500.00}, highest balance a little over {$4000.00} all on time payments since XX/XX/XXXX with a most recent update in XX/XX/XXXX. This took my utilization from 3 % to 99 %. Showing XXXX Credit Report on XX/XX/XXXX with balance due of {$24.00} and limit of a little over {$8500.00}, highest balance same a little over {$4000.00} all on time payments since XX/XX/XXXX. Showing Experian Credit Report on XX/XX/XXXX with balance due of {$290.00} and limit of a little over {$8500.00}, highest balance same a little over {$4000.00} all on time payments since XX/XX/XXXX Same for XXXX, XXXX, XXXX and XX/XX/XXXX Updated XX/XX/XXXX to new information below : Account updated, Showing Experian Credit Report on XX/XX/XXXX with balance due of {$10000.00} and limit of {$10000.00}, highest balance now {$10000.00} and same all on time payments since XX/XX/XXXX, most recent update XX/XX/XXXX. Account updated, Showing Experian Credit Report on XX/XX/XXXX with balance due of {$10000.00} and limit of {$10000.00}, highest balance now {$10000.00} and same all on time payments since XX/XX/XXXX, most recent update XX/XX/XXXX. Now showing XXXX Credit Report on XX/XX/XXXX with balance due of roughly {$10000.00} and limit of {$10000.00}, highest balance same of {$10000.00} all on time payments since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am extremely dissatisfied with the way Citibank has treated me as a customer. Recently, they have closed my checking account on XX/XX/2022 and two of my credit card accounts without any notice or explanation. Not only that, but they also refused to give me access to the funds in my checking account, which has caused me significant financial stress and inconvenience. To add insult to injury, Citibank has also prevented me from paying my credit cards and has not allowed me to access the reward points I have accumulated over time. This is unacceptable and completely unprofessional. I have tried to reach out to Citibank both in person at a bank branch and through phone calls, but I have not received any helpful information or answers. I am extremely frustrated with the lack of communication and transparency from this bank. As a customer, I expect to be treated with respect and transparency. Citibank 's actions have left me feeling disrespected and helpless, and I urge them to rectify this situation immediately by providing me with access to my funds and reward points, as well as a clear explanation for the closure of my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: What a joke, CFPB does not help consumer at all. This is the 3rd time i have opened complaint about this issue and nothing is getting resolved. They allow the company to just close it with XXXX documentation this is false. Dispute Details *Closed a case without it being resolved & charged me the incorrect $ amount *CC is not re-charging me for $ I already paid, Dispute Date XXXX Dispute Amount {$9800.00} Dispute ID XXXX Related- They just keep closing this without resolving the issue. so this is the 3rd ticket for the same issue. They don't even to bother calling me once or reaching out. Just sticking with a {$9000.00} bill. I can't wait to i switch CC providers this is the worse experiences of my life. XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 or around XX/XX/2022, my Citibank credit card number was stolen and fraudulenty used without my permission. Citibank contacted me and informed me that my card had been used in a suspicious manner. I immediately contacted Citibank and disputed the numerous fraudulent out of state charges. After several months of contacting Citibank, they finally agreed to reverse the fraudulent charges that they ( Citibank ) alerted me to. After all of the fraudulent charges had been reversed, I canceled my Citibank credit card due to their lack of appropriate security protections. Citibank then has reversed one of the fraudulent charges, the largest one, yet reversed the numerous and obvious other fraudulent charges, back to my closed account as retaliation for my closing the account. I am disputing the entire amount of the fraudulent charge and reporting Citibank for retaliation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 XXXX I made a purchase on the internet of {$37.00} on XXXX XXXX. My billing statement for XXXX arrived with a charge of {$100.00} which was entered as a sales account adjustment with no previous balance. I tried several times to contact the vendor where all I could leave was a voice-mail and an assurance they would call back. None of my calls were returned. I contacted XXXX XXXX, explained the situation, and wast told they would file a dispute for the overcharged amount of {$66.00}. In the meantime I submitted a payment for the purchase I made in the amount of {$37.00} ( XXXX ) and given confirmation # XXXX. The due date for the payment was XXXX ( on time ). The next statement I received from XXXX XXXX was now {$100.00} with interest of {$2.00}. All statements since, have crazy fees deductions and additions. I have regularly called trying to settle the overcharge, sent explanations to their XXXX XXXX XXXX South Dakota ( no phone for office ) and have spent hours on the phone trying to resolve the issue. XXXX XXXX is now harassing me for payment, and has immediately reported a non-payment to the credit bureaus. My XXXX XXXX dropped about a XXXX points from them, and this fraudulent charge has been constantly under dispute. I am starting to think XXXX XXXX is committing this fraud. Before this happened I had to dispute another charge which was resolved back in XXXX of XXXX. I have not used their card since then. XXXX XXXX not talk to me ( their logo on the card ) as XXXX XXXX is a LLC management company. I have always maintained an exemplary credit rating through the years and my available credit has been especially high. I need help with this company to get this resolved. Thanking you in advance. I wii not pay this charge until XXXX XXXX can provide proof of purchase, which they cant..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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: 2023-02-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I made several transfers from my savings account to my checking account that triggered a fraud warning. Citibank closed access to my account and said it was under review. I called several times to remedy this and was told they " can't verify my phone number. '' Citibank fraud protection then sent me a letter to verify my account on XXXX. I responded to the letter immediately. On XX/XX/XXXX, I called Citibank to see if my account is unlocked yet. They said it is still under review. I want to close my account and receive a check in the amount of the balance. They are holding my money hostage. They have been telling me the review will happen in 24-48 hours since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 is a corporate card thru CITI. Ive worked for my employer for 20 years and NEVER had any fraudulent issues. I submitted a fraud claim to CITI in XXXX of last year ( XXXX.2022 ), right before my business travel. * Myself and my son were deathly ill the week before so I didnt see any of the notifications sent as charges were being made which I communicated to CITI when I reported the fraud * The card was cancelled immediately and replaced the same week before I left for business travel * The card was maxed out fully on gift cards the previous week to my business travel. I called again from the airport because I have having issues paying for pre-booked travel plans and was told its still under investigation * It was also identified that 2 of my personal bank accounts were also hacked, and later discovered my husband had {$7800.00} in fraud charges on an XXXX card and my personal gmail was compromised as well. * I also filed an online complaint thru XXXXXXXXXXXX as suggested * By XXXX, I was unable to access my personal gmail because the hackers had closed the email account all together, this is the email where all my original confirmations may have gone. * Trying to figure out what happened, the only thing I could determine is all cards that were hit, were all listed in my XXXX wallet app since I was traveling the following week * Currently, both of my bank accounts have already resolved the claims and confirmed fraud, XXXX just sent my husband an email confirmation that the charges on that card were confirmed as fraud. The only outstanding fraud charges are the ones on my Citi card. * Ive sent numerous emails to 2 different email addresses pertaining to their fraud unit and I havent recieved any responses. I just sent a new one today so waiting to see if I hear back. * Ive been an employee for XXXX for 20 years, Ive NEVER EVER had an issue with a corporate card and Im extremely worried this is going to put my job in jeopardy. * My husband and I did have something similar happen the year prior but only with our personal accounts/cards, and we discovered XXXX has several claims out there where employees were caught selling IP addresses for a LARGE amount of customers and then hackers would impersonate somehow? I really dont know much about that, but even all those issues were confirmed fraud and closed. * All of these charges are still showing on my expense report and need to be removed immediately before there are any consequences to my job, they are about to charge our organizations budget code and then I fear I will be at risk at a job Ive had for 20 years I really need help. * The only other note I would make is, about a week or 2 before this occured I rec 'd a text stating I had a balance due immediately and it was for a utility I do have an account thru, I stupidly quickly clicked on it and then I just got an error screen. BUT after that, my phone started acting very weird, it was going thru the battery really REALLY fast, apps would shut down with no warning, I had to reset several passwords because it kept saying I had the wrong one stored in the phone, which always autopopulated and never had an issue before, people were saying they were calling and texting me but I wasnt receiving all of them and overall everything was just acting very oddly. I was also noticing a definite uptick in emails about new subscriptions and whatnot, what I just assumed it was more than usual spam emails. My husband said his started acting funny too. After all this happened and I remembered that text, he was furious with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18411
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/31 I was robbed at a Citibank location, two men took my debit card within 2 minutes went over to the teller and was allowed to withdraw {$1900.00} from my account. I did not notice until XXXX and went to the bank on XXXX, after the holiday to report. I filed a complaint with the fraud department, I filed a police report and an investigation commenced, Citibank denied my claim stating that I allowed the transaction when the police department have video of the robbery and has started an investigation which the case is now with the XXXX XXXX XXXX XXXX of the XXXX XXXX, XXXX NY. I submitted an appeal to Citibank with a copy of the police report and affidavit which they provided for my signature and was denied for the second time. The fraud department have been super rude and have not given me any information. I am an elderly person of XXXX XXXX XXXX and was targetted in a brank of Citibank and robbed of my money which I need to pay my bills and I believe that money should have been returned to me under the banking laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A