Date Received: 2023-02-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: A few weeks ago I noticed on a credit monitoring service that I had a balance due on my Citi credit card. The reported date was XX/XX/XXXX. I tried to access my account on XX/XX/XXXX and received a notification saying that the account was locked and I needed to contact technical support. I called the technical support line and the person on the other end stated that my account access would be restored in " 5 to 7 business days ''. I tried to access my account on XX/XX/XXXX and my account was still disabled. This evening, XX/XX/XXXX, I spoke with account manager " XXXX XXXX '' and she confirmed that my account had been closed on XX/XX/XXXX. When asked why I had not received any notification that my account was due to be closed, the account manager stated that sometimes the system closes accounts without any email notifications sent to the consumer. " A notification was posted to your account directly. '' The account that I could not access. Citi has my email account, I last received emails from them back in XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
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: 2023-02-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX ( financial aid ) dollars was deposited to my account at citi bank which is in the process Of being closed i have called many times to have those funds released to me and they are denying and not being understanding that those funds are needed immediately to cover for school supplies which are needed by the end of this week or else i will get dropped from every class
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to file a complaint against both Macy 's and XXXX XXXX regarding a late payment that has been falsely reported on my credit report. I have been in contact with XXXX 's since XX/XX/2022 to resolve this issue, and have been repeatedly reassured that the late payment would be removed from my report. Despite these assurances, the late payment has not been removed from my credit report, and I am extremely concerned about the impact this could have on my credit score and overall financial health. I have made multiple attempts to contact Macy 's to address this issue, but have not received a satisfactory resolution. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that both parties remove the inaccurate late payment from my credit report. Thank you for your attention to this matter. I look forward to hearing back from the CFPB regarding the resolution of this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: Purchased a Product from XXXX XXXX in XXXX. I used my Citi Card for this purchase. First charge was for XXXX on XX/XX/XXXX, second charge was XXXX on XX/XX/XXXX. Product was delivered and was extremely materially different from what was advertised. I emailed the merchant several times over the course of a month, and didn't receive any responses. I filed disputes With my Citi Credit Card on XX/XX/XXXX, case XXXX & XXXX, with all the information that Citi requested. On XX/XX/XXXX Citi requested that I return the product, which I did. I provided tracking to Citi, and the returned product was delivered on XX/XX/XXXX, with tracking - XXXX. Since then, on XX/XX/XXXX, XXXX XXXX went insolvent and shows on the XXXX XXXX website they are in liquidation, which I provided this information to Citi on XX/XX/XXXX. I have called Citi several times during the month of XXXX to receive updates, to which I am told, they have put in an urgent message to update me. I have heard nothing from Citi. Everytime I talk with them, they just tell me they are working on it. The information online shows these disputes should have been settled by XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hi, Citi Bank reached out to us with an email saying that we will be receiving a {$1500.00} opening bonus when depositing {$100000.00} and maintaining a balance for 60 consecutive calendar days. We went to a branch and open an account with a banker on XX/XX/XXXX. It has been over 6 months now and we have not received the opening bonus from the bank. We reached out to the bank several times and opened tickets with different departments, however, the issue has not been resolved. We maintained over {$100000.00} in our account from XX/XX/XXXX - XX/XX/XXXX which is eligible for the bonus. Could anyone assist us with this? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Yesterday XXXX/XXXX/23 I spent over 5 hours on the phone dealing with Bloomingdales Amex customer service trying to get a credit limit increase to {$18000.00} for a purchase of a Diamond bracelet online. I was sent in circles I was argued with I was hung up on and I was given a disgusting attitude especially by supervisor XXXX. Not only has BLOOMINGDALES refused to assist with my credit limit increase none of the agents asked me for my account password except 1 person. I strictly asked for an account password be placed because for some reason your stupid system doesnt want to process a OTP using my phone number. Your computer system is so stupid. One month it lets me use my number for OTP the next month it doesnt. Ive had the same cellphone number for XXXX years. No other banks have this problem but YOU! The fact you failed to use my password which is to supersede the OTP XXXX me off to no end. Im furious. Then when I asked to talk to fraud to get answer why it wasnt being done the agent seemed to not want to be present. I asked her what her problem was she said nothing I told her she seemed out of it and she said yeah well Im tired. How unprofessional? Who is running this company?? I expect this service from XXXX XXXX but Bloomingdales? Im disgusted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023, I contacted Exxon Mobil to see why I couldn't use my gas card. The representative stated that they decreased my credit limit from {$800.00} to {$300.00} and she said that they sent a correspondence that conveyed that on XX/XX/2023. I asked her on what grounds did they decided to reduce my credit limit? Her response was because I was less than 30 days making a payment. I told her that there were three problems that I had with this. 1. ) I never received the letter from them. 2. ) They are supposed to notify me 45 days in advance before they are to take action. 3. ) I have never heard of reducing a credit limit for being two days late. She asked if I wanted her to resend me a copy of the letter. I said no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citi violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with Citi in arbitration over the matter. Despite this, Citi has reported my account as delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: Credit Card HoldeXXXX Citi Bank has agreed that the purchases done were fraudulent. Citi Bank agreed to remove the fraudulent charges and did so in a timely manner. But due to my wallet being stolen alongside my new credit card, Citi Bank decided to bring back the past fraudulent charges and has refused to take them out from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have been trying to receive my earned bonus of {$700.00} since XX/XX/XXXX for a checking account that was opened around XX/XX/XXXX. Citibank has kept stalling and has not sent me the bonus, which I have been consistently monitoring. I have been told that I qualified for the bonus by many of the Citibank employees who have claimed they have done their own research. And I have been sent a confirmation notice months earlier that I have been enrolled in the promotion successfully ( see attachment ). I have had over XXXX conversations with Citibank employees since I opened up this account. ( See attached phone records with official Citibank phone numbers ). I have been told many times that the bonus should be deposited into my checking account NO LATER than early XXXX of XXXX. I did not get it so a request has been filed with Citibank which has not been completed, and it has been over a month now. Originally, I have been told I would get an escalated resolution within 3 to 5 days starting XX/XX/XXXX, which I did not. So I called back up again, and was told it will take another week as no one has looked at the case yet. I called a week later, and got the same response. And finally I called for the 4th time ( every week ), and STILL no resolution, and they keep saying they will escalate the case or they tell me to call back next week. Its always the same! Citibank is not honoring its {$700.00} promotional offer despite my repeated attempts. This is false advertising and fraud. I have been wrongfully mistreated and misinformed to the point where I am filing this complaint. I have wasted countless hours and days in research and in conversations. I have had a lot of anxiety and stress over the past few months because of Citibank which has effected my mental health and well being. I expect a minimum payout rightfully of {$700.00} for the bonus within 5 business days of this formal notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A