Date Received: 2023-02-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I began my relationship with Citibank, and was approved for a Premier Mastercard. On XX/XX/XXXX, I expanded this relationship by opening a AAdvantage Platinum Select Mastercard. On XX/XX/XXXX I opened a Citibusiness Aadvantage Platinum Select Mastercard as well. On XX/XX/XXXX, while calling regarding a declined transaction at a grocery store on my Citi Premier, instead of unblocking the fraud lock on my card, Citibank closed both my AAdvantage Mastercard and my Premier Mastercard in real time while on the phone. I was told that the decision is final and they can not be reopened. I feel that this decision is unfair. I used the card responsibly and always paid my bill on time, well before the due date. Furthermore, if their was something that they didn't like, why didn't they just warn me? Instead of taking the impulsive decision to close my credit cards. I've attached my credit karma report, showing the details of both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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: Sent this to Citi... they believed the vendor and NOT the consumer... this site/merchant needs to be shut down. Citi denied my claim without even a call. The merchant is playing them with 100s of pages of fraudulent and misleading documents. They will not accept my return and told me they would just throw it away and deny they got it. XXXX dealer told me I was being forced to buy a fake product by a fake vendor. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Citi Visa XXXX : Billing Inquiries Re : Notice of disputed charge to Account No XXXX XXXX XXXX Anywhere Visa Card by Citi-XXXX Coa Card by Citi-XXXX Dispute Number XXXX XXXX Merchant : XXXX ( Fraud Site ) Dear [ Fraud and Billing Inquiries Division ] : I am writing to dispute a charge of {$170.00} to my credit account on XX/XX/2022. The charge is in error because the site is either fraudulent or sells damaged goods with no real XXXX ( return process ). Local XXXX XXXX said they had never heard of their return process and they mentioned the part might be used or not from XXXX The part does not fit my car and or is damaged. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have already reported the site to the FTC and the Texas Attorney General. While I still have the part, the representative told me to wait for the XXXXif I get one before returning the part. He said if I returned the part with no XXXX, they would just throw it away. Again, the XXXX requires me to take it to a XXXX XXXX to validate the part and or warranty. The local XXXX dealer told me they had never heard of such a process or this online site. The vendor will not accept the return without an XXXX, they said they would just throw it away and pretend they never got it. This is clearly a scam from this vendor and they should be shut down for selling fraudulent copycat parts. They are clearly taking advantage of the credit card claim process by saying the consumer still has the part. Again, the XXXX dealer said I was being sold a fraudulent part and there is no such thing as them verifying the part. The part has since become toxic as it is venting plastic chemicals ( smells ) and has started to disintegrate. If Citi and XXXX will not protect mewho will. Attached is a copy of the order and their XXXX process. The second option is non-sensical since it still requires XXXX to validate/inspect the part. XXXX XXXX Vis a Card by Citi-XXXXVisa Card by Citi-XXXX Sincerely XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received an email invitation from Citibank to receive a {$450.00} bonus if I opened a XXXX account and deposited more than {$50000.00} in new money and held it in there for at least XXXX days. I opened the account on XX/XX/XXXX and funded it with {$50000.00} from XXXX. That money has been in the Citibank XXXX account since XX/XX/XXXX. I received an email from Citibank on XX/XX/XXXX thanking me for enrolling in the bonus program for the Citibank XXXX account. I called into Citibank in XXXX after the XXXX days was over to ask about the bonus and was informed that it took up to XXXX days for the bonus to be paid to me and that it was scheduled to be paid to me no later than XX/XX/XXXX. When no deposit was paid on XX/XX/XXXX I called Citibank and was told to wait until the next day to file a Dispute Case. I called back on XX/XX/XXXX and started a Dispute Case ( XXXX ) which I was told would be resolved within XXXX business days. When I called back on XX/XX/XXXX to ask about the results, I was then told it could take a total of XXXX business days and to call back then. I called back on XX/XX/XXXX and there was still no answer with no information on when it would be resolved. I called back XX/XX/XXXX and it was the same as the time before with no update and no information on when it will be resolved. So I am now filing this complaint as I don't have any other recourse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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 XXXX XXXX, my credit card was charged 4 times for amounts ranging from {$500.00} to {$750.00}. I have called customer service multiple times over the past month trying to get these charges refunded to my account. So far I have only gotten 2 disputes cleared. Every time I call Citi, they tell me it will take a week. A week goes by, I call again, and I'm told it'll be another week. I feel like I am being scammed by Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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 reached out XXXX 2022 about a charge for {$4600.00} and shotty issues with workmanship via this Home Depot Citibank Charge. On XXXX, I was sent an email stating that there was a letter on my HD account. The letter which is attached, states we found in your favor and we are issuing a credit of {$4600.00} within 2 billing cycles. At three billing cycles no credit has posted and on XXXX they are trying to now stating they emailed to my HD account further info declining said credit. They are saying they now have to reopen dispute because the store supplied a " work order '' and they do not even know if the disputes department will reopen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30736
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023, I purchased a laptop through Best Buy that cost {$1400.00}. I opted to take advantage of the Best Buy / Citi Bank offer to open this credit card and receive a 10 % reward. I applied for the credit card and was approved. I was confused when ordering the laptop online, I wanted to make sure I got the 10 % credit, so I called Best Buy to assist me with the order. The customer service rep assisted me on a recorded line and walked me through the process. When it came to choosing the finance options I specifically asked if any of these options would affect my 10 % discount, which was approximately {$140.00}. The Customer Service Rep said no you can choose any option and you will get your 10 % reward. I chose the 12 months no interest and again confirmed that this would not affect the 10 % reward. The order was placed and chose the option to pick up the laptop at the local store that day. My intent was to take advantage of the promotion and had no intention to pay for this with a credit card long term and why the 12 months no interest was appealing. I have already paid {$500.00} since XX/XX/2023, however, did not see the reward on my account. I called Best Buy to resolve this and had to escalate this to a supervisor as Best Buy stated they can not resolve this situation and give me the 10 % reward even though I called Best Buy on a recorded line to assist me to complete the purchase correctly and get the 10 %.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello! On XXXX XX/XX/XXXX I opened a Citi savings account over the phone with a representative after the offer was targeted to me. During the next week I added a few external bank accounts to my Citi account so that I can fund my new account. These external accounts were at other banks and were my accounts under my name, under my social security number.. During the week of XX/XX/XXXX XXXX began adding money into my Citi account.. adding exactly XXXX XXXX with the goal of reaching XXXX XXXX to qualify for the promotion. On Thursday XX/XX/XXXX I go to log on but my online access was frozen.. forcing me to call into the bank to understand why. I learned that they shut down my account due to " fraudulent '' activity and recommended it for closure which has held my money hostage with the bank, not allowing access for myself. I've called many times attempting to get more information for the closure while offering to provide additional information in case an algorithm made a mistake. As an example I use a VPN on my computer and maybe this caused a problem. I've not been allowed to talk to anyone, provide more information, plead a case, or get my money back. There was no fraudulent activity.. I am a normal w2 employee who was transferring money from external accounts into a new account that I just opened on the phone with a Citi representative... and I still don't know why it was closed after many phone calls. My main concern is getting my fifteen thousand back to me which has been held hostage by Citi bank since XX/XX/XXXX with no end in site.. money that I may need due to normal life circumstances or money that could be collecting interest at another bank. Citi is holding my money interest free after pre-maturely ending the business relationship. If this is the case? Ok... so give the customer their money back then move on. My second concern is that they will report me for fraud which could effect me in the future whether it will be opening banks, credit cards, or applying for loans. I repeat that there was XXXX fraud.. I performed very normal bank activities that most people do on a daily basis so I was highly surprised that my account was locked after only a few days. I can provide accounts, routing numbers, prove of transactions.. anything but the bank will not allow me to do anything.. just wait for more researched to be done.. whatever that means. It is now XXXX XXXXThank you and I hope you can help me get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXX I found XXXX charges on my Citibank thank you statement that looked odd. I called Citibank XXXX on XX/XX/XXXX after I got my statement and before the drop dead date for paying XX/XX/XXXX. They didnt help me but I figured out the two bills were from two companies I had never dealt with before and were 3rd and 4th party contractors to two companies I had dealt with before. Citibank disputed the two charges and added a third one I didnt know about yet. I called back and un-disputed the charges and to make my payment in full. The foreigners who dont understand XXXX and act for Citibank in the XXXX did not understand, said it was too late, they cancelled my card and I could not make payments. I wasnt late then. On XX/XX/XXXX XXXX I called back to make the payment and they said I still couldnt. They were busy transferring data from the old card to the new card. They said try again XX/XX/XXXX. On XX/XX/XXXX I became late but not my fault. I still could not make a payment. Citibank said try XX/XX/XXXX. I was finally able to make my payment XX/XX/XXXX. Then my XX/XX/XXXX statement shows delinquent penalties and interest. Citibank took those off by an XXXX and I paid {$1900.00} in full XX/XX/XXXX four days before the drop dead date XX/XX/XXXX. Then Citibank came back at me with {$41.00} min payment due on XX/XX/XXXX or they send me to collections. And the credit bureaus are notified. XXXX Citibank due was {$81.00} but not XX/XX/XXXX ; on XX/XX/XXXX so I paid XXXX in full. XXXX Citibank charged me again for XXXX. And for XXXX for the one they disputed and I didnt. But neglected the new charge of XXXX. So they said I owed XXXX. I actually owe {$85.00} because of all the pluses and minuses. So XXXX. I called Citibank 10 times. I talked to 2 XXXX and 8 XXXX. The two times I talked to Americans I got my late charges reversed and a payment made. The rest of the time I hit a blank foreign wall. When I ask for an American and I did I want to be transferred to an American ; not sent to a person who cant understand me and I cant understand them. It should be illegal for banks to use foreign workers to do their business. No wonder were in the financial, military, trade, and data messes were in. They would not let me make my payment today. They kept insisting on {$120.00}. I owe {$85.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen on XXXX. One of the resulting charges was for a Home Depot not even in my state. I filed, contacted each company and worked all this out. Now XX/XX/XXXX XXXX is calling telling me I owe this debit and they've been hired to collect it. They, a woman named XXXX, said I owed {$2400.00} to Home Depot from XXXX. I explained to her exactly what happened and she said " these people have your name, DOB, and social. " I will email the form needed to file fraud charges. '' They have continued to call via recording left on my voice mail that they are trying to collect a debit. I have contacted the company XXXX, Home Depot, who says I've never had an account with them and I'm not in their system, and the XXXX XXXX XXXX XXXX department to file again. I have called XXXX multiple times never returned my calls or sent me an email or letter in the mail. This makes me feel that certain someone is using my identification fraudulently but has started again since recently my bank acct was recently hacked and this is all connected to XXXX XXXX XXXX. I asked for a cease and disisst for calling me and informed of XXXX Complaint, contacting you, put me on your do not call list, and I've filled the police report I believe these are connected and pray for relief. XXXX XXXX
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi, This is related to CFPB complaint XXXX. As of XXXX Citibank has yet to credit the bonus and they are continuing to toss me around when I call in to get an update on the case. " No one is available '' and getting hung up on has happened three times today. Best, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A