Date Received: 2023-02-08
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 XXXX, a fraudulent charge of {$210.00} was applied to my Citibank debit card ending with XXXX from XXXX XXXX XXXX hotel in XXXX XXXX, CA. I have contacted Citibank to close the account, sent a report to XXXX XXXX XXXX XXXX XXXX reported the matter to my local police dpt. I last used the Citibank debit card at the XXXX XXXX XXXX hotel on XXXX where it was apparently hacked. This type of theft has happen several times before at a local business. Looks like there is absolutely no protection against this kind of theft for a consumer or card holder. I will be going with CASH from now onwards. Thank you for accepting this report, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91302
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19050
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX on numerous occasions have unethical banking practices and has misappropriated funds. XXXX has discriminated against me as a customer and consumer, XXXX is recorded retaliating against me and violated my banking rights. XXXX in multiple instances have not properly adjudicated claims according to the law, have charged fees that were not owed. When I raised complaints with Customer Service Management, Corporate Office ( XXXX XXXX XXXX XXXX ) and XXXX XXXX, regarding being harassed by a XXXX associate, my Privacy rights being violated and being antagonized and hung up on by Associates and ultimately disrespected. My phone calls are being evaded, I am prevented from speaking with and opening complaints with the Executive Unit and not being allowed to inquire on my accounts. I have been prevented access from my own funds and not allowed to view my transactions. I was charged banking fees to my Checking account erroneously and most recently a claim for {$230.00} was not adjudicated according to California State guidelines. In addition, My secured credit card was closed due to retaliation due to my advising I will seek legal advice. My funds have not been returned and open claims have not been legally resolved. My XXXX XXXX was not graduated to a revolving account as advised and after consistent on time payments in which I called and made numerous complaints with no response nor solution from XXXX. XXXX has blatantly misrepresented and attacked my character and made false claims as a means to cover up their unethical bank practices, conduct and illegal activities. I have been unable to view, access and perform transactions on my account. I have been prevented from escalating to the department that investigates disputes. My Consumer rights have been grossly violated and XXXX has performed in a criminal capacity as well. There is legally recorded evidence as well as written. Past incident dates include but are not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: CITIBANK on numerous occasions have unethical banking practices and has misappropriated funds. Citibank has discriminated against me as a customer and consumer, Citibank is recorded retaliating against me and violated my banking rights. Citibank in multiple instances have not properly adjudicated claims according to the law, have charged fees that were not owed. When I raised complaints with Customer Service Management, Corporate Office ( Citibank Executive Response Unit ) and Citibank Legal, regarding being harassed by a Citibank associate, my Privacy rights being violated and being antagonized and hung up on by Associates and ultimately disrespected. My phone calls are being evaded, I am prevented from speaking with and opening complaints with the Executive Unit and not being allowed to inquire on my accounts. I have been prevented access from my own funds and not allowed to view my transactions. I was charged banking fees to my Checking account erroneously and most recently a claim for {$230.00} was not adjudicated according to California State guidelines. In addition, My secured credit card was closed due to retaliation due to my advising I will seek legal advice. My funds have not been returned and open claims have not been legally resolved. My Citibank Visa was not graduated to a revolving account as advised and after consistent on time payments in which I called and made numerous complaints with no response nor solution from Citibank. Citibank has blatantly misrepresented and attacked my character and made false claims as a means to cover up their unethical bank practices, conduct and illegal activities. I have been unable to view, access and perform transactions on my account. I have been prevented from escalating to the department that investigates disputes. My Consumer rights have been grossly violated and Citibank has performed in a criminal capacity as well. There is legally recorded evidence as well as written. Past incident dates include but are not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about XX/XX/XXXX I received a Costco account at Costco in my home town and they asked me to apply for a Costco credit account which would be beneficial for me to use with 1 %, 2 %, 3 % and 4 % cash back and points options. I did apply and was denied several times during the process. The sales rep at Costco had me retry several times and was stated I was denied citing XXXX report. My husband applied and was immediately granted a credit card through Citi- he has more credit card debt than I have and a lower score. I reviewed a letter I received from Citi stating Unable to approve my application because " My total credit obligations which include outstanding credit lines, are too high to meet their approval guidelines when compared to my stated income ''. THIS IS FALSE AND MALICIOUS AS WELL AS DISCRIMANTORY. I pulled up my XXXX report and my XXXX score was listed at XXXX -well above average of U.S. consumers and that I was an EXCEPTIONAL borrower. There was NOTHING negative, no missed payments, LOW REVOLVING CREDIT USAGE, Long credit history and recent credit usage - all listed under WHAT'S HELPING. Under What's hurting it stated YOU HAVE NO NEGATIVE FACTORS IMPACTING YOUR CREDIT. Once again, None, XXXX negative factors. I believe I have been discriminated against for age and gender and I'm not interested in a credit card with Citi but rather for them to release any and all information on my XXXX credit report and any other credit reporting agency, that shows it will be on my report until XXXX, XXXX. I also want Citi to be held liable for their discriminatory practices. I certainly would understand if there was a reason to deny me credit, which clearly XXXX states there was not. I'm a highly responsible tax paying consumer who has rights to defend myself against a malicious attack against my character. If they can just lie and deny, that should be against the law. Please forward to the Citi, et al., Office of the President, XXXX XXXX XXXX XXXX XXXX SD XXXX. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account online at CititBank ( last XXXX of account number are XXXX ) and deposited {$30000.00} on XX/XX/XXXX in order to earn a {$500.00} bonus. The flyer that was sent in the mail about the bonus stated Its simple to earn your cash bonus. Open a new Citi checking account between XX/XX/XXXX and XX/XX/XXXX. Within 20 days of opening your account, deposit the required balance in new-to-Citibank funds into the new checking account. Maintain the required minimum balance for an additional 60 consecutive calendar days. I did all of those steps and maintained the required funds until XX/XX/XXXX which was 70 days, 10 days longer than the required 60 days. I was supposed to receive the {$500.00} bonus 30 days after meeting the requirements. When I didnt receive the bonus, I called CitiBank at XXXX. I spoke with a woman but dont have her name. She initially told that me that I had met the requirements and she would check on why my bonus hadnt been deposited yet. When she came back to the phone she said the bonus would be deposited on XX/XX/XXXX. When I questioned why it would take that long she put me on hold again and when she came back the second time she told me that I hadnt actually met the requirements because I didnt hold my funds for the 60 day required period. When I told her I absolutely had, she informed me that the 60 day holding period doesnt start until the 21st day after opening the account and they call that the maintenance period. I went back to the flyer and there was no mention of the maintenance period on the front of the flyer. I read it again and again and couldnt find anything about the maintenance period or that the 60 day holding period starts on the 21st day. There were no footnotes or asterisk or anything about a maintenance period. I finally found that information on the back of the flyer in tiny print. I obviously would have held my funds there the additional few days had I been aware of the maintenance period but that requirement was so hidden most normal people would not be aware of it. Even their own employees arent aware of the maintenance period until they do a deep dive into the requirements. They could have easily mentioned the maintenance period on the front of the flyer under the 3 simple steps listed but they didnt. I think this is deceptive advertising and really almost fraudulent. Because of their deception, they enticed me into providing them with {$30000.00} of my money for over 60 days with no interest. So not only did I not receive the {$500.00} bonus but I also lost the interest on the {$30000.00} that I could have kept in my interest bearing savings account earning over 4 % interest. If there is anything that can be done to either get the {$500.00} bonus or recoup my lost interest, I would greatly appreciate your help. I would also like CitiBank to be held accountable for misleading customers about the requirements necessary to earn bonuses. ALL requirements should be listed on the front of the flyer so customers know exactly what they have to do to earn the bonuses. Burying one of the requirements on the back of the flyer in tiny print should not be acceptable. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43017
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account online at CititBank ( last 4 of account number are XXXX ) and deposited {$30000.00} on XX/XX/XXXX in order to earn a {$500.00} bonus. The flyer that was sent in the mail about the bonus stated Its simple to earn your cash bonus. Open a new Citi checking account between XXXX and XX/XX/XXXX. Within 20 days of opening your account, deposit the required balance in new-to-Citibank funds into the new checking account. Maintain the required minimum balance for an additional 60 consecutive calendar days. I did all of those steps and maintained the required funds until XXXX which was 70 days, 10 days longer than the required 60 days. I was supposed to receive the {$500.00} bonus 30 days after meeting the requirements. When I didnt receive the bonus, I chatted online with CitiBank with XXXX. She told me that she agrees that I met the requirements but she would have to put in a request to find out why my bonus wasnt applied to my account and she would email me the findings. In the meantime, my husband was dealing with the same issue on the phone and found out there is actually a maintenance period of 20 days before the 60 days is counted. My husband and I both read the flyer multiple times and there was no mention of the maintenance period on the front of the flyer. There were no footnotes or asterisk or anything about a maintenance period. We finally found that information on the back of the flyer in tiny print. I obviously would have held my funds there the additional few days had I been aware of the maintenance period but that requirement was so hidden most normal people would not be aware of it. Even their own employees arent aware of the maintenance period when you talk to them. They could have easily mentioned the maintenance period on the front of the flyer under the 3 simple steps listed but they didnt. I think this is deceptive advertising and almost fraudulent. Because of their deception, they enticed me into providing them with {$30000.00} of my money for over 60 days with no interest. So not only did I not receive the {$500.00} bonus but I also lost the interest on the {$30000.00} that I could have kept in my interest bearing savings account earning over 4 % interest. If there is anything that can be done to either get the {$500.00} bonus or recoup my lost interest, I would greatly appreciate your help. I would also like CitiBank to be held accountable for misleading customers about the requirements necessary to earn bonuses. ALL requirements should be listed on the front of the flyer so customers know exactly what they have to do to earn the bonuses. Burying one of the requirements on the back of the flyer in tiny print should not be acceptable. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43017
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: Managing an account
Subissue: Banking errors
Consumer Complaint: Received offer from CITI Bank relate to a bonus for opening a new checking account with new funds. I opened and made deposit into new checking account on XX/XX/XXXX. The terms of the agreement stated : " within 90 days The Cash Bonus will be credited to the open eligible checking account ''. It has now been over 6+ months. I've called and spoken with numerous customer service representatives. Each time, was provided with conflicting information. After no updates, I went into a local branch on XX/XX/XXXX and voiced my concerns again. They took down my report, apologized, and said I can expect to have the Bonus deposited within a week. Still nothing to this day. So today, XXXX XXXX, XXXX, I called and after going through several of their customer support agents, I'm still left without any answers. I'm not being provided with any information as to the cause, or as to when I can expect them to meet the " terms & conditions '' they've set as part of the agreement. I have not been able to even reach a supervisor. It has been a very poor customer service experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi CFPB. I got a disaster experience from CITI bank. I am under a big potential loss of XXXX dollars and more citi 's thank point loss. So I currently have 4 credit card of citi banks. It is just fine. CITI always sends useless promotional emails which I usually ignore. On XXXX XX/XX/XXXX, I received a promotional email from CITI that they wants me to open saving account, 3.4 % yield, and if I keep XXXX dollars for 60 days, they will give me XXXX $ ( it will be 3.4 % +0.9 % *6= 8.8 % yield ). Please see attachment ( citi_promisied_saving_account_they_lied.pdf ). I opened my CITI saving account on XXXX and I have transfered XXXX dollars at the same time to XXXX saving account. Please see attachment ( now_citi_managed_to_get_my_money.pdf ) Then you know what happened? They closed my saving account on XXXX after they received my XXXX dollars. Please see attachment ( this_is_how_citi_makes_money.pdf ) At the same time, they block my entire citi accounts. I not only lost access to my XXXX dollars saving account but also all my credit cards. I use a few days to give XXXX dollars to CITI and CITI can steal my money for years until they return me a check which they never promise a data and paying no interest for it. At the same time, they can easily ruin my credit score by not allowing me to access my credit card online account and not allowing me to use any cash back I have earned. I spent hours to go through CITI 's customer service, thank you for the rude customer service, hours wasted by moving me from one and the other department in a cycle way again and again, and even the launghing in the phone call which makes me totally not able to understand what is the customer service that CITI trained for, I decide to file this claim at CFPB. The only fault I made is that I trusted CITI, but know I do not believe it is fair for me to take such big loss.
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: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX and I opened a Citibank checking account on or around XX/XX/23 making my first deposit of {$24000.00} on XX/XX/23 to account # XXXX. I've also just moved from XXXX XXXX XXXX XXXX XXXX here in the past week or two deciding to split from my very abusive husband abruptly. I called the bank to activate my card once it finally arrived to my new address through expedited shipping and everything went successful so I was told. I tried to use it that night for dinner and it's declined then I try to use it again at ATM that same night thinking there should have been a mistake somewhere or could have been and will behold it's declined. I called the bank and they tell me I have to call central time because their system was updating and they had no access to the account information. I called it XXXX XXXX and told them what happened the representative assured me everything is okay now and the card was successfully unblocked and ready to use. That same afternoon I tried to attempt to make a purchase at XXXX and again the card is declined. Once I call the bank I am escalated to the fraud department and the representative told me that my account was going to be blocked until further notice because my phone number was not verified or registered. She then hung up on me and did not offer any further clarification or details as to what she had mentioned being the reason for this block. Again this is the same phone number that I used when I opens the account nothing had changed. After more calls to more Representatives and given the same answer I'm at my breaking point and forcing an EVICTION and discovery by my abusive husband since I tried everything possible to make my phone number public data for Citibank. I even went as far as purchasing a prepaid XXXX and going online and registering the phone to my name. This is putting me at tremendous risk and I can not further risk my safety just to get my account unlocked because my life and safety are at Great risk. I have successfully complied and given every security answer with a green light to every inquiry they have asked to verify my identity but at this point I don't know what the f*** they're asking anymore this whole phone number verification stupid registration thing is absolutely Bonkers and I feel like they are unjustly holding my funds from me and this is not right nor can it or should it be legal. It is my choice as an American to have any phone number I'd choose or Carrier or non-carrier if I want to prepaid service I should be able to have that prepaid service especially if the phone number is the same phone number I used when opening the account. This is my formal complaint regarding Citibank and they're fraudulent ways of holding my funds and freezing my account for no reason whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A