Date Received: 2024-01-31
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/24 I went to the XXXX XXXX web site to purchase a ticket. After entering all my info and getting ready to submit payment a offer appeared on screen saying that if I " APPLY '' for CITI credit card ( AAdvantage platiunum ), I would be able to save up to {$400.00} dollars on airline tickets. At this point I called CITI just to confirm all of the restrictions, etc. and was assured that upon my approval for card, I would be given a temporary number to use with XXXX XXXX for the purchase of my ticket. But I was told that I could make my application via phone but if I wanted to use it on my current airline ticket purchase I had to apply on line. Which I did. Having a credit score of close to XXXX I was not surprised when I received verification within minutes that I had been approved. THIS IS WHEN THE ABSOLUTE WORST EXPERIENCE WITH ANY FINANCIAL INSTITUTION OF MY LIFE BEGAN. I did not receive any temporary number as had been described so I called Citi Bank back. Hold time to speak with someone was excessive but I know we have all come to expect that. When I finally reached someone I was told to call XXXX XXXX back at special phone number they gave me since this program was being adminsitered with their particpation, I was told that since I had been approved, they would have the temporary number & info in order to pay for my ticket. I did call and of course they did not have and refered me back to Citi Bank. I called back and was transfered XXXX times after holding approximatey XXXX mintutes per transfer only to be told there is nothing that can be done. Unfortunately every time I spoke with someone it was with obviously a foreign based operator which was next to impossible to understand. ( please be assured I'm not complaining about the XXXX XXXX operator 's, I speak with them all the time in my business, it's just that citi bank 's was either a terrible phone connection or very poor XXXX XXXX reps. ) I finally reached someone, obviously based in states, explained how I am now going on XXXX hours with this nightmare and he assured me that he was going to hold the line until he reached out to the proper people who would assist. Well I never heard back from him and about XXXX minutes later another XXXX XXXX XXXX rep picked up the phone and kept saying hello, hello, obviously could not hear me and call was discontinued. Citi bank has displayed to me the absolute worst customer aservice that I have ever encountered in my life. It baffles me how they in conjuction with XXXX XXXX have this major program offered on both of their web sites and yet can not facilitate it!! During the effort to get this resolve I was refered back to XXXX XXXX a XXXX time and while they couldn't help, the rep stated that they have had countless complaints about this program and the inability to communicate with Citi Bank reps. Horrible experience and still no closer to being resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid my XXXX payment a few days early at the end of XXXX. Citi bank marked my account 30 days late and dropped my credit score XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I noticed my credit card balance kept going up even when I wasnt using it and its because I have been getting charged a fee from " XXXX XXXX '' on Macys Credit card in which I never approved. I called " XXXX XXXX '' this morning, XX/XX/24, and was able to cancel it but I want to be refunded for the thousands of dollars they have charged my account without my knowledge. I was told they have to review my charges and see if I was eligible for a refund. When I asked what the eligibility requirements were to get approved, XXXX from XXXX XXXX was unable to give me an answer and told me someone would call me back in 5-7 business days to give me that answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. Macy 's - never late Bloomingdales- not late was late in the past, and this came off my records Wayfair - never late Home Depot - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX - never late XXXX XXXX - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. Macy 's - never late Bloomingdales- not late was late in the past, and this came off my records Wayfair - never late Home Depot - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Citibank Claim # XXXX In XXXX of 2023 fraud was committed on my Citibank checking account and my account was compromised. Individuals were able to sign me up for 'Wire transfer services " and made a withdrawal of my funds. I received a phone call from Citibank Fraud unit asking me if i made those transactions and i clearly told them no, i also received emails from Citibank regarding the transactions and i replied to the emails stating that i did not make or approved those transactions. I tried numerous times to resolve the matter for a few months now, over the phone and in person at my local branch. The managers at my local branch tried the best they can but they can't seem to get an answer either. My account that was compromised has been locked and the only way I can see an update on the case in to go in person to my local branch and have the manager log into my account. This should've been resolved months ago and Citibank is not doing their part for a customer like myself who has been a client for over 40 years, this has caused a lot of inconvenience as well as pain and suffering. To ad insult to injury, I was advised to open up a new checking account so when the matter gets resolved when my funds are returned they can go into my new checking account, however I receive calls every morning from a similar number as the fraud unit only to collect on Overdraft fees since the new account i was forced to open has XXXX funds in it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt was charged off 2018 and company is still reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/year> someone hacked into my Citibank online account. They changed my online password and then proceeded to send XXXX wire transfers from my money market account for {$1800.00} each for a total of {$3600.00}. I was on the phone with the Citibank representative while the transfers were happening since I got an email telling me my online account password had been changed. I asked the Citi representative to lock down my accounts but she continued to ask questions and did not shut the accounts down fast enough as the hacker got more money. Citibank said they would reach out to the receiving bank to get the money back and I needed to wait 90 days. I waited 30 days and I had to reach out to Citibank to get status on the situation and they told me XXXX said there was no money in the receiving account and they would not return the money. I was then told to fill out a Wire transfer Fraud report to get my money from Citibank. Citibank has denied me my request to return the money stating it was a scam and not fraud. To this date I have not received any communication or correspondence from Citibank on the fraud or any investigation. I have had to reach out to them they never communicate with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60451
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A