Date Received: 2023-02-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I attempted to open an account with Citibank on XX/XX/XXXX. They have had my {$20000.00} since then and have not returned it despite my repeatedly calling and asked me for it. Once when I called, they told me that I was unable to open an account because they detected fraud. But at no point has Citibank contacted me about anything regarding this account. I have been hung up on by customer service and promised that I would receive it, but as of today, I have had no correspondence coming from them and have not received the money. I have called them no fewer than five times and spent hours on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XXXX XXXX, I noticed my Citibank checking account had {$3100.00} of unauthorized transfer. I immediately contacted the bank and asked for a hold to be placed on my account. The person said it had been done but on Monday XXXX XXXX I was informed by my local branch that the account was not in hold status and another {$550.00} had been withdrawn. I again asked for the account to be put on hold, but the banker was not able to do that and I was forced to call the main bank again. The woman at Citibank I spoke with assured me that a hold was placed on my account ( after grilling me about why I wanted a hold placed and if I WAS SURE that I wanted to block it and that I knew that only I would be able to unblock it ). Then today, XXXX XXXX, ANOTHER unauthorized transaction for {$1200.00} was taken from my account and it turns out my account was never put on hold. The incompetence of this bank has allowed my account to be nearly drained, and though they have eventually given the money back, the stress caused by this incompetence is unacceptable. Also, the bank pressuring me to open a new account is ridiculous. Why would trust that they could manage that one any better than this one?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A refund deposit to my Citi Bank Credit Card Account in the amount of {$17000.00} was made on XX/XX/XXXX due to a cruise cancellation. I requested a refund check on XX/XX/XXXX and was told it would take XXXX business days to process. I subsequently telephoned Citi Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX and again today, XX/XX/XXXX. I spoke with XXXX supervisors who apologized for the delay and that the check was mailed on XX/XX/XXXX. When I did not receive the check on XXXX XXXX, I telephoned again on XX/XX/XXXX and a supervisor told me how Citi completely mishandled this request, apologized for the delays and that the check amount would be directly wired into my checking account within XXXX hours. The XXXX hours have passed and still no funds have been deposited. I followed up with yet another call to Citi Bank today, XXXX XXXX and was told it takes XXXX days additional days for " approval '' for a wiring and then XXXX more days for the funds to be wired. This has been a time consuming, frustrating process in which Citi Bank has kept my money for over a month. I am requesting any assistance that the CFPB can provide. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX XXXX almost XXXX home depot
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
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/XXXX at approximately XXXX XXXX I received a text alert from my Best Buy Citibank Fraud Dept asking if I attempted to make a purchase at XXXX ( XXXX, Ohio ) in the amount of {$2000.00}. I immediately responded to the text and they called me right away. A report has been filed with them and I'm also in the process of obtaining a police report where I live ( South Carolina ). Unfortunately, they did approve another charge of {$960.00}. This is the THIRD fraud issue I have encountered involving the state of Ohio I have never worked or lived in Ohio and feel like someone or some entity in that state must have my information and are repeatedly using it ... How can I have been hacked 3 times ALL in Ohio, a state I've never been in other than for a layover??!! I plan on submitting a separate complaint for the other card account since it is a different type of card. ( Store Card ) The other issue was XXXX fraud - AGAIN, in Ohio, but years ago. ( XXXX ) This is all just bringing back bad memories from that experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had an identity theft in approximately XXXX of 2022. Citi Bank has closed an account of mine and still has funds. They refuse to send me back my funds. I have been told for at least 6 months that once the account is closed they will send me my money. I have a statement showing the account is closed and there is {$770.00} in the account. When I call they give me no information and then they hang up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Several months ago I applied for a city bank/XXXX card and was approved. I made several purchases no problem, however when XXXX did a direct payment to them, it did not go through. I made a second payment to them but the hold checks for up to Therty days, making me overdue. That is what I was told over the phone by two different people. I have made several purchas since and attempted to pay the bills. Since I have made several duplicat payments my XXXX bill came back with {$860.00} credit.I called and demanded a refund check, of witch they agreed to. How is holding payments make any sense? Payments should be amediatly credited to ones account. Especially if it is a defect deposit from the bank. Please look into this nonsensical practice. When people are having trouble paying there bills, co should not make it more difficult in paying there bills. With all due respect, I know this is trivial, but I dont need more problems especially wen I pay all my bills regularly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
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 was billed for items from Bloomingdales that I never received. I have contacted them many times by phone, and every time they tell me they are going to refund my account and check back with me in 48 hours. They never call back and never refund me. This has been going on since XX/XX/XXXX. They are now charging me late fees on my card! It is a getting to be very stressful. On the website it says they refunded me but they really have not because if they had my balance would be XXXX Now it is affecting my credit score. They have many complaints about how they treat costumers, I will never order anything from them again It was my first time and last!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
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: XXXX, Ive followed the federal law procedures and requested clarification, including documentary evidence, because it's expected by law that both ( or all ) parties to an agreement have the reasoning capacity to understand exactly what it is they are agreeing to. Ive been denied access to these documents several times. As a loyal customer for several years, and a consumer whose rights are protected by federal law, I need your help. I believe your company truly strives to earn and maintain the public 's trust by constantly adhering to the highest ethical standards. Documentary Evidence required in accordance with 12 CFR 1026.13 ( 6 ) Please provide clarification, including documentary evidence, on the following : Any and All documents, correspondence, papers, and corporate records proving that " Adequate Notice '' was received and understood by the cardholder in accordance with 15 U.S. Code 1602 ( k ) for above-mentioned accounts ( XXXX & XXXX ) ; dates and times ; Any and All documents, correspondence, and papers of receipt and acknowledgment of reasoning capacity to understand what I what was agreed to ; Any and All documents, correspondence, papers, and corporate records of the XXXX published version of the Shop Your Way Mastercard Agreement with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the XXXX published version of the Costco Anywhere Visa Card Member Agreement; with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the Citibank, N.A., records and/or data retention policy guidelines ; Any and All documents, correspondence, papers, and corporate records proving that adequate notice of disclosure of personal information was given in accordance with 15 U.S. Code 6802 ; Any and All books of accounts, financial records, and corporate records about this consumer credit transaction, including how Citibank, N.A., funded the above-mentioned accounts ( XXXX & XXXX ) ; Any and All audit trails of the funding of the account transaction by which accounting, trade details, or other financial data can be traced to their source, i.e., from your accounts to the above-mentioned accounts ( XXXX & XXXX ) ; Any and All documents, correspondence, papers, and corporate records that fully disclose the details of the entire agreement, which is a requirement of a contract ; Provide the original agreement with the signatures of both parties ( or all involved parties ), signifying consensus ad idem, or a meeting of the minds, which binds both parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Citibank has locked me out of my account because I was transferring funds of the same amount from my savings account to my linked checking account. They now will not let me into my account because they say my phone number is not " verfied ''. I asked her how to " verify '' my phone number and she told me to XXXX it. Even though the number I gave her was the number she has listed, it is not " verified. '' The case has been escalated and they all give me the same answer with no directions on how to actually verify my number. All I want to do is to close my account.
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: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A