Date Received: 2023-02-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The citi bank closed my account but my job sent my check to the bank and now there telling me that my account has a hold on it because there waiting for three account to close And I can not receive my phones for 30 to 60 days not if that is true how was it able to shut down the close the stay with the count but not able to close the checking account down just as quickly as they did save as account it makes no sense every time I call I get a different answer nothing consistent nothing 's the same everyone has something different say every single time I call and it just makes no sense I want my money back from these people and I need it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I made a purchase at a local grocery shop, on checking up on my account the same night I saw a charge for {$55.00} from the same card minutes later, which I didn't acknowledge. I spoke to citi bank representative and was told that they will refund me the money back but will investigate it .I recently received a letter from citibank saying that I am responsible for the charges and they will retrieve the money back, which they did. I contacted citibank and ask to speak to the fraud department to find out how did they came up with this conclusion. I was told that they will not tell me anything different and if I want to escalate it. I will have to go to a citibank and reopen to file another case. I ask the representative for the number to the company that is charging me for the product. I called the number several times and it is not connecting..
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am being asked to verify my account using 10+ year old phone numbers that I no longer have access to. I have money in my account I need to pay bills THIS WEEK. However, they are trying to force me to wait 7-10 days for a letter to verify.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021, I decided to order new checks from my checking account at CitiBank, using the internet. When I clicked onto what I believed to be the Citi-Bank site a red flag appeared saying my account was frozen, for some reason and I needed to call the number that they gave. I foolishly called the number and was told that someone in Texas or Ohio had tried getting {$5000.00} from my account. It looked suspicious, so they called me, to see if it was legitimate. I told him the charge was not correct and of course he was going to get the " freeze '' lifted from my account to do something to protect my account in the future. He strung me along for about 4 hours and by the time I realized what was going on they had lifted two wire transfers from my account one for {$49000.00} and another for {$49000.00} with service fees for each one of {$17.00} each. I turned off my computer before he completed whatever he was doing and he got very upset throwing out swear words. He then came back on the phone and was talking fast and apologizing for it taking so long and started giving me a bunch of numbers that I don't know what they were. One of them he said was a " claim number '', XXXX and he said his employee number was " XXXX '' I asked for his name and he said it was XXXX XXXX. I do not believe that any of these numbers or names mean anything. On XX/XX/XXXX, I reported the event to Citi-Bank . Then filed a complaint with the XXXX XXXX XXXX XXXX XXXX Their case number is XXXX and the deputy that took the report was XXXX XXXX. After that I also filed a report with the FBI. During the phone exchange on XX/XX/XXXX at XXXX I got a text on my cell which I believe is from CitiBank asking me if I made a wire transfer from my account, one text was for {$49000.00} and the other for {$49000.00} as shown in attached screen shot of my phone. Both texts were answered NO. I noticed the transfers had gone off of my account and called the fraud department to understand why. They said it was too late to get them back, but they were able after a few days to return {$49000.00} to my account, but the XXXX who called kept getting the amounts confused. When I questioned the other amount they said it was gone and nothing they could do about it. In a few days I called them back and they said I needed to fill out some forms notarized and send back to them, which I did. The about 2 weeks later I got a form letter from them stating they were not returning my entire {$99000.00}! They had already returned $ {$49000.00} so I knew they were at fault. The fraud claim number at XXXX XXXX The claim was denied again on XXXX because of " No new information was received or discovered that would change the denial decision '' This came after we sent the additional document they requested ( attached ) I am still waiting to get my money back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Citi Bank offered a promotion for opening a accelerate checking account to which the customer would be required to fund the account and hold a certain dollar amount in the account for a pre set period of time. The reward was in the amount of {$450.00}, which we have confirmed multiple times. We opened this account and verified that all requirements were met on multiple occasions and were informer our reward would be applied to our account on XX/XX/2023. On XX/XX/2023 at approx : XXXX XXXX we called Citi as we still have not received our reward. The customer service agent and supervisor ( XXXX employee id XXXX ) stated that we had no promotion added to our account and would not be receiving the reward despite confirming multiple times previously and meeting all of the requirements. Citi has blatantly committed fraud and is stealing from its customers. Additionally, it seems this fraud is widespread across multiple customers as you can see in this reddit thread. XXXX XXXX XXXXXXXX It seems CITI is no longer honoring their promotions after enticing multiple customers to hold thousands of dollars with them, just to cancel their reward on the date they should receive it. Opened internal case - XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Sir, Madame On XX/XX/XXXX22 I filed a dispute with XXXX, XXXX XXXX XXXX. I am currently a college student and I have never applied for a credit card with Macy's/Citi Bank XXXX I have been made aware that an account was opened and women 's boots were purchased, I have reported this error to, XXXX, XXXX and XXXX XXXX XX/XX/XXXX2022. Since then, I subsequently placed a block all three credit bureaus. I have spoken to several XXXXacy credit/Fraud agents to no avail! PLEASE INVESTIGATE THIS MATTER. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account in XXXX with an account opening bonus of {$200.00}. The terms of this bonus would be to deposit and hold {$10000.00} for a specified amount of time. The bonus should have been paid out by XX/XX/XXXX, but it has not been received. The account bonus code is XXXX. I have followed up numerous times with Citibank in regards to this but have not gotten a response back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022, Citibank closed my account. They did not notify me of the account closure ( no email, no letter, no call ). I found out about the closure on XX/XX/XXXX when I couldn't log into my online portal. When I called Citibank to help me reset my password, I was met with a response that Citibank would be closing my account- they did not want to provide banking services for me anymore - and service members were not allowed to talk to me anymore followed by a prompt hang-up of the phone. After this, I called the Citibank branch in my hometown, and the banker there kept me on the line and called customer service on my behalf. He found out that the account was closed for " Fraud Absue '' despite there being no fraudulent activity. In the few days after XX/XX/XXXX, ( XX/XX/XXXX - XX/XX/XXXX ) I attempted calling customer service 6 times to get an answer. I eventually got to a supervisor who told me that the money would be sent to me within 60 days of the account closure and I would receive a letter detailing why the account was closed. I waited 61 days until XX/XX/XXXX to receive my money/letter. These never arrived so II began calling Citibank customer service again. Over the course of 3 weeks I had the issue escalated at least 5 times and was told to wait 2-5 days before calling back. I called every 2 days from XX/XX/XXXX - XX/XX/XXXX to see if there was an update and every single response I have received has been the same. The service reps or account supervisors all tell me that they have been trying to get in touch with the " back office '' but they have not been receiving a response. As far as I understand, the only thing the customer service/supervisors can do while sitting in the XXXX department is to send an email to the " back office '' asking them to send me a check. I have gotten confirmation from service reps that there has been no response from the " back office '' and that the issue should have been resolved by now. To this day, XX/XX/XXXX ( 89 days since closure ) I have still not received the funds from my wrongful account closure and have had no word that the back office has made any progress in issuing me a check. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checkings account with Citi on XX/XX/XXXX for their promotion of funding the account and keeping $ XXXX by XXXX day of account opening and keep the fund there for an additional 60 days, I should get {$500.00} bonus. So I did. I transferred from my XXXX XXXX XXXXXXXX altogether $ XXXX to Citi and opened a linked Savings account at the same time. I made sure on XX/XX/XXXX, my account has a balance of $ XXXX and I have not touched $ XXXX for over 3 months until XX/XX/XXXX. By the end of XX/XX/XXXX, my account balance in Citi checking is {$34000.00}. And they did not honor me with the bonus offer of {$500.00}, instead, they put {$200.00} in my account. I called customer service and one of the representatives located the promo code and set up a case for me and told me I should be getting a response within 5 business days. I waited and checked on the updates on XX/XX/XXXX, and they told me I should be expecting an answer by XX/XX/XXXX, which apparently I did not. I called again today and I had to request to escalate the issue to a supervisor, XXXX XXXX. XXXX told me that now Citi would have to extend the investigation to 15 days. I am really upset. I should never have trusted Citi. This is obviously a bate and switch. I could have invested my fund into treasury or a market money fund that invests in US treasury and earn a much better yield and did not have to deal with their constant excuses of keeping my fund in their custody and earning interest and not honoring their advertised promises. This is very frustrating and they can offer contradictory statements and not keeping their end of the bargain. Please kindly protect us, consumers from this kind of manipulative behaviors from our financial institutions. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2022 I discovered a {$520.00} charge on Best Buy account. I disputed charge so they sent a new card and removed charge. On XX/XX/2022, charge was put back on account because they said investigation proved I was responsible for buying an XXXX from XXXX. I disputed {$520.00} again with a certified packet which included a letter from me, a police report, and a letter from my legal team, Of Counsel, XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX XXXX Texas. In this packet, I asked them to send information proving I gave permission for another party to use my Best Buy credit card. I have not gotten a written response yet. I called them XX/XX/2022 to follow up. They say just had received my letter and they will get back with me. I wrote another letter on XXXX and no response. Charge is still on my bill. I need help to have removed because I did not make this purchase of {$520.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A