Date Received: 2023-02-15
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: Im requesting help in getting refund of {$510.00} that either Citicard MC or XXXX XXXX still has re-applied to my presentcredit card # XXXX. Initially XXXX charged on XX/XX/XXXX {$510.00} this charge at first unknown so reported to Citithey put it into investigation, cancelled XXXX credit card and re-issued new card XXXX and credited on new card on XXXX few days later I recognized the name being hotel booked in XXXX DC ( not the XXXX XXXX XXXX XXXX and notified Citi I knew of chargethey reapplied charge on same statement on XXXXwhen contacting XXXX around XX/XX/XXXX they said they CANCELLED reservation ( and no rooms available same rate then ) and REFUNDED XXXX to initial booking credit card XXXXappears refund never received since close dates between initial investigation refund and switch to new credit # XXXX and internal matching of {$510.00} of refund to # XXXX to # XXXX not applied by Citi or bounced back to XXXX. Ive contacted both XXXX and CitiXXXX claims refund went thru and Citi claims investigation credit given initially but re-applied on XX/XX/XXXX but No credit from XXXX. XXXX sent email showing credit given to XXXXCiti suggested asking for a check..XXXX says cant send direct or apply to new card # XXXX __they ask I request Citi re-send dispute to XXXX second applied credit on new card # XXXX. Citi says cant send second dispute on new card since dispute was on old card and closed..please help! Ive contacted both parties and inn stand still on what do nextboth acknowledge needs done. Thanks XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/2022 I received an email from Citibank, because I have a Citi Priority Credit Card, for a promotion on opening a checking account. The promotion was for various bonus pay outs based on deposit levels. There was a link on the email which I used to open the account. I also called customer service to verify that my account showed a promotion on it, after funding, since I had not received any confirmation of the promotion starting, follow-up, etc. Of course, Customer Service said yes, they did show the promotion and there was a 30-day period to allow funding, which I had already met. I funded my account for $ XXXX on XX/XX/2022, and maintained over that amount for the bonus period required ( 60 days ) and even further. I went over 90 days with my balance above $ XXXX. I still have around {$100000.00} in the account today. The promo was supposed to be paid out 30 days after completing qualifying activities and I never saw any payment. It has been 6 months since I originally funded the account and still no {$1500.00} promo payment so I messaged Citi. They said my account was never enrolled for the promotion. This is clearly a scam, as the link in the email should have allowed the promo to follow me to the account opening page. Also, Customer Service would have been lying when I called, and they confirmed. I am sure I am not the only one who has fallen prey to this scam. I am removing all of my business from Citibank. Someone from CFPB should investigate these checking account promotions and Citibank 's follow through on their advertisement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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: In my last statement from Citi Bank dated XX/XX/XXXX, Citi Bank states that the conditional credit of {$2400.00} applied to my account was reversed since it was DETERMINED TO BE A VALID CHARGE. It is NOT a valid charge but instead is fraud on the part of the merchant. On XX/XX/XXXX, I authorized a charge to my Citi Bank Credit Card ( ending in XXXX ) of {$2400.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Citi Bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citi Bank stating that they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, Citi Bank advised me that they had contacted the merchant. On XX/XX/XXXX, Citi Bank provided me with a copy of the merchants response, advised me that they had closed their investigation based on the information available, and reversed the credit previously given to me. They also said that I could continue my dispute by responding to the merchant 's documentation. I provided a detailed response to Citi Bank which is included here as a series of attachments. These attachments detail the facts that in an attempt to justify the credit card charges, the merchant fabricated documents, one of which includes a forgery of my signature and includes a hotel ( where the merchant claimed that I stayed ) that does not exist nor does the stated address for this hotel exist. The merchant has continued to lie about the true nature of the credit card charges, which the merchant claimed were for timeshare sales capital gains taxes. The attachments contain proof provided by me to Citi Bank that the merchants documents are fraudulent. All of the documents that I attached here have been provided to Citi Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My debit card, account, online access where locked on the XXXX of XXXX XXXX On the XXXX, I called Citi to the Fraud department where they explained they locked my account due to " suspicious activity ''. I had deposited a check for {$23000.00} the day before. They wanted to verify if the deposit and I confirmed that it was. I also confirmed who the payor on the check was. They also reached out to that person who confirmed that the check was valid. I was told that in 24-48hrs after investigation that I would have access to my account. On the XXXX XXXX XXXX, I called the Fraud department and they repeated the same. They told be to call back again on the XXXX. On the XXXX XXXX I went to my local branch and explained to the manager what happened. He looked into the system and confirmed that my account was locked and that my account was slated to be closed for NO APPARENT REASON. I was then told that I would get a letter in the mail in 5-10 days and that Citi would send my money back to me within 30-60 days. I told him that this was outrageous and that I wanted my money back immediately since I had confirmed from the payor - a customary business associate - that everything was fine with the check. I then call the Fraud dept. and explained everything again and they repeated the same policy about 5-10 day letter of explanation and then 30-60 day return of the funds. I then requested to speak to a Supervisor. That Supervisor contacted the payor on the check XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX who confirmed the validity of the check and transaction. We were all on the fone as a conference call. AND the Supervisor separately talked to XXXX XXXX via a call to him from the Tennessee office. She called me back and confirmed that the transaction was valid and that she would be sending an email to a n " investigator '' who would review things and then release the restrictions on my account in 24-48 hours!! I want help in : 1. unblocking my account 2. I want my money back IMMEDIATELY not 30 - 60 days. That is nonsense. There was no reason to restrict my account, no close my account, no refuse to return my money IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank had a checking account offer with an intro bonus of {$1500.00} for maintaining over a balance of {$200000.00} for 60 days. I opened the account on XX/XX/XXXX with the offer and kept my balance over the requested limit. A few weeks past 60 days, I tried moving the money out to a higher APY account ( Robinhood ) after verifying with an online agent that the terms had been fulfilled, but a day later the transaction got declined. On XX/XX/XXXX XXXX I got an email saying my checking account was going to be closed for suspicious activity. I called the fraud department and tried to escalate through multiple departments that I had only made XXXX deposit and withdrawal to request for my account to stay open. The representatives were unable to provide any assistance. I am based in XXXX and will have to fly out to visit the closest physical branch. Can I get help with reversing the closure decision, getting more details, or having some way of withdrawing the money more quickly? I feel it is also unfair they decided to close the account without fulfilling their end of the intro bonus terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a cobranded Citi-American Airlines `` MileUp '' credit card account in XXXX XXXX. The sole purpose of opening this account was to earn Loyalty Points towards status with XXXX XXXX. I have used this card regularly since then. The card earns 1 AA Loyalty Point for each {$1.00} in purchases. On XX/XX/XXXX, I made a large purchase ( {$4000.00} ) in order to earn 4080 Loyalty Points. In all of my previous months of having the card ( 3 billing cycles ), the statements closed on the 9th or 10th of the month. In XX/XX/XXXX, the statement closed on the 10th. When I made my purchase on XX/XX/XXXX, I was expecting the purchase would appear on my XXXX statement, which was not yet closed. And indeed, the purchase shows as occurring on XX/XX/XXXX at XXXX XXXX ET. But for some reason the posting date is XX/XX/XXXX. When I made the purchase, I thought the statement closing date would be XX/XX/XXXX, but it in fact closed on XX/XX/XXXX. Instead, the purchase appears on my current statement, closing XX/XX/XXXX or XXXX. This is a problem because XXXX XXXX requires me to earn the Loyalty Points by XX/XX/XXXX in order to re-qualify for my status. The only reason I made this large purchase on this card ( as opposed to paying cash or using a different card ) was to earn the Loyalty Points. And I had every reason to believe, based on past transactions, that the points would be credited to my statement that was open at the time the transaction took place. Today I spoke several times with Citibank customer service, including a supervisor, and they told me there is nothing they can do. I also spoke with XXXX XXXX, and they told me this is a problem only Citibank can fix. I know this is not true. If XXXX wants to credit the Loyalty Points retroactively, it can. If Citibank wants to credit miles / Loyalty Points to my account, it can. I now understand that there is a systems issue here that prevents purchases that happen on the closing date from counting towards that month 's statement. But I don't think I should be penalized for the reasonable understanding I had before this happened. I hope Citi or XXXX XXXX will make this right. I am a loyal custom of both Citibank ( with several credit cards and a savings account ) and XXXX XXXX. My family and I go out of our way to fly XXXX even when other airlines are cheaper or more convenient, and I hope they will show their appreciation for our loyalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been trying for the past two weeks to close my checking account at Citibank. My account has been blocked since XX/XX/, 2022 due to fraudulent activity by a scammer. I would now like my account to be unblocked, closed, and the balance of {$1100.00} returned to me by Citibank. I have tried to work with Citibank to do this over the phone, but I have been sent from one department to another. The nearest branch is approx. a 7 hour drive. Please see attached detail.
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: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX, 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/ 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Two of my credit cards through Citi have flex loan offers which make up the bulk of my current balance. Recently my credit limit has gone down twice and it doesnt make sense with it being a loan not regular credit. This creates a cycle of bad credit because now my utilization is even higher, rates go up, which makes payments harder. I have not missed a single payment and have been a loyal customer for 4 years and in my 12 years of having ccs Ive paid all balances off, always. When I tried to resolve the issue I was on the phone for hours, was hung up on THREE times and finally the supervisor said there was nothing they could do and simply ignored me when I asked if it was normal to get hung up on so many times. I read others reviews after this phone call and this company is doing the same thing to many other people. its extremely hard to understand their employees on the phone- they often say they dont understand you ( the customer ) in turn getting their way in the conversation. 4 years Ive dealt with not understanding the person on the other line and was even accused by a supervisor once that I was a fraudulent customer. I get how cc companies work but in these hard times, I have lost my job, inflation, and all Im asking is that my credit limit be what it was, so my utilization looks good and helps me pay off debt rather than hindering me. This is a seemingly small, yet huge problem for me and Im sure many other people. Where is the heart?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81401
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A