Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received payments to my account from my insurance company, I spread my money into my different accounts, someone stole my debit card, I disputed the chargers and they were in my favor from the letter I received but the bank closed my account anyway and refused to return the rest of the money that was in my accounts even after I informed them where the money came from and stepped in to many branches and sent in lots of information still havent received my funds
Company Response:
State: MD
Zip: 20715
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I received an email from Citi XXXX XXXX XXXX with an offer to earn up to a {$300.00} bonus if I met the following criteria : " Open a Citi XXXX XXXX XXXX XXXXXXXX and make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional 60 consecutive days. '' ( {$300.00} bonus if the account was opened prior to XX/XX/XXXX and I maintained a balance of {$30000.00} or more ; the bonus was {$100.00} for balances less than this over {$10000.00} ). The e-mail explicitly stated that ANY Citi XXXX XXXX Account was eligible for this promotion - " Certain Savings Accounts are eligible for the Citi XXXX XXXX XXXX XXXX XXXX. Any Citi XXXX XXXX Account opened during the Offer Period that you continue to own until the end of the Maintenance Period in the Access Account Package can qualify for the Citi XXXX XXXX XXXX XXXX XXXX. '' I used the link directly in the email to open a new Citi XXXX XXXX Account XX/XX/XXXX. I make a deposit of {$30000.00} in New-to-Citibank Funds, in XXXX Citi XXXX XXXX Account balance on XX/XX/XXXX ( within the required 20 days of opening the Account ). I maintained the {$30000.00} balance in the Account until XX/XX/XXXX ( beyond the required 60 consecutive calendar days after the XXXX day from the date that the Minimum Deposit was met. My Citi XXXX XXXX Account and my Citi XXXX XXXX credit card account remained open and in good standing from the time the Citi XXXX XXXX Account was opened I contacted customer service in XXXX ( before I took any money out of the Savings Account ) to make sure that I had met the requirements to receive the bonus BEFORE I removed any funds from the account. The representative I spoke with confirmed that I met the criteria and that my Bonus was supposed to be paid to my Savings Account by XX/XX/XXXX ( within 90 days after I successfully completed all required activities ). On XX/XX/XXXX, I contacted customer service via online chat to ask about the bonus. The representative confirmed that I met the criteria to receive the bonus, but since the bonus was not " due '' until that day, they asked me to wait in case the bonus posted that day and to follow up the next day ( XX/XX/XXXX ) if the bonus did not post to my account. Since the bonus did not post, I contacted customer service via chat again on XX/XX/XXXX and they opened a case to investigate the missing bonus ( case ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I did not receive any correspondence or follow up, so I again contacted customer service on XX/XX/XXXX. They escalated the case and advised me to reach out again if I did not receive a response within 14 days. On XX/XX/XXXX, I received a letter from Citi entitled " Our Research Results '' that indicated " Unfortunately, your account does not qualify for this promotion because the Basic Banking package is not eligible for this promotion. '' I did not open a " Basic Banking '' savings account. I opened a Citi XXXX XXXX Account using the direct link that was provided in the original targeted offer email. I don't see any distinction on my account that says my savings account is a " basic '' account, and the account description online and in my app say it is a Citi XXXX XXXX Account. Additionally, the offer email indicated that ANY Citi XXXX XXXX Account was eligible for this promotion. Both times that I spoke with the representatives ( in XX/XX/XXXX and on XX/XX/XXXX ), they confirmed that I had met the requirements to qualify for this promotion. The interest rate on this account is substantially lower than my other savings accounts, so I lost out on valuable interest because of this " bait and switch '' tactic and even after confirming that I was eligible, Citi did not honor it's promotion. I would like to receive the bonus that I was offered ( and earned ) of {$300.00}. Thank you for your assistance with this matter and have a great day!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02703
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Someone got ahold of my account information and tried to deposit a fraudulent check into my account. The bank froze my account and its been under investigation since late XXXX. I received a direct deposit from social security on XXXX XXXX 2022 and I havent been able to withdraw that money because the account was under investigation. The Citibank agents said it can take XXXX business days before they can close the account. Its been well over XXXX business days and every time I call to see whats going on they just give me the run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 910XX
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: 2023-02-07
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/2022, I received suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. They keep charging me and making threats to report the credit companies. Every time I try to contact the company no one seems to know about the issue. The company has removed the option from the online banking app to file a challenge to the charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00959
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hi I opened an account with Citibank after reading an advertisement that said if you open an account between XX/XX/2022 XXXX XXXX XXXX, and deposit {$50000.00}, you will get, {$700.00} after 60 days of maintaining the balance. We opened the accounts on XX/XX/XXXX and XX/XX/XXXX, maintained the balance and were new customers. The bank has failed to apply such credit. Even though they were made aware of their failure to comply with their own advertisement. They are still not honoring what they promised. I know Im not the only consumer this has happened to, as the branch admitted that other Citibank consumers were victims or false advertising. Please investigate. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hello, I am reaching out to complain about my credit card delivery. Initially, I applied for and got approved for my credit card in XX/XX/XXXX, but the card was not delivered for unknown reason. After inquiring citi about this problem, a representative had signed my original card to be missing and said that he is sending a new card. This was on XXXX XX/XX/XXXX. He said that the delivary would be made in 4~7 days, but I have not received anything yet. When I reached out to citi via live chat, Citi live chat agent had told me to contact XXXX on phone to solve this problem, but the number prompts me to input SSN or XXXX. I do not have either of those numbers, therefore citi is not providing me with any way to even inquire to a spokesperson about this problem. XXXX is another number given to me, which also asks for credit card number/SSN/phone number. When I try my phone number, the system has problem accessing my information, again not allowing me to contact citicard. This is becoming very frustrating for me, and I seriously want to know why citicard would not send my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am Reaching out needing assistance because I have not received any help from Best Buys or the credit card company Citibank. I Opened the card for a laptop to study with a promotion of 12 months zero interest. I been making payments and none of my payments of 12 months has gone to the original purchase my promotions ends in two days. All the payments Ive ever made have been gone to other purchases. Im barely finding this out. Its been about a month that I have been trying to get help to fix this to have my payments that I have made go to the promotion so it doesnt affect my credit. I have called the bank. I have spoken with the store with multiple managers and Ive been hung up on by the bank I been told different things and getting route it to people from different countries that unfortunately I can not understand and will not help me. I have been trying to make a payment so the promotion will be paid off and all the other payments get applied to the original purchase but nobody will fix this for me. Theres no way to do it online or on the phone or in person at the store. I need assistance because this is going to affect my credit and cost me more money. Please contact me if you have any other questions and thank you for the help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Never received {$700.00} bonus. I have called Citi bank over XXXX times to solve this issue. I have mailed Citi bank XXXX times regarding this issue as well. I have also mailed in copy of Promo offer. I also received after opening the account a confirmation of the promo offer. I attached a copy of the confirmation and the promo that was sent directly to me. I have attempted to resolve this issue for XXXXmonths and no one has reached a solution on this matter. I have completed ALL of the steps on my end, {$50000.00} remained in the account for the time I was supposed to. Please check my account. I have spent countless hours on the phone and submitting document via mail. No solution has been reached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There should be XXXX reference number but I was informed there are XXXX reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser. It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor. Where is the original account with my signature so I can view it for myself?? This is hearsay and validation has not been provided. I continue to request validation of this account and I have yet to receive it. Furthermore this alleged account has already been deleted from my credit file through XXXX. As I looked further, I see the other XXXX credit reporting agencies are still reporting the alleged account. The reason they are still being reported on the other XXXX is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account. XXXX has not validated this alleged account and can not continue to report inaccurate and inconsistent information. I am submitting exhibits to show that XXXX did not report accurately and consistently. You will also see " terms frequency '' is inconsistent between the XXXX major reporting agencies. The " loan type '' is inconsistent. I see that this alleged account is being reported as closed and as a collection across all XXXX major credit reporting agencies. It should report the same all across the agencies. I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported. I am requesting that XXXX be removed from the XXXX remaining major credit reporting agencies immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received notice in XX/XX/XXXX that I had an unpaid balance on a Citibank Sears account ending in # XXXX. Upon receiving this notice, I called the number provided and learned that purchases had been made without my authorization on what I had believed was an old account that I had closed. I no longer had a physical card and therefore do not know the account number. Sears has repeatedly refused to provide XXXX since I learned of this fraud. I immediately opened a claim with Sears CBNA ( claim number XXXX ). Since that time, I have been given different accounts of the amounts owed and manner of resolving this issue. Despite my assertions of fraud, the account was sent to Collections. In XX/XX/XXXX, after being unable to resolve the issue with Sears Citibank and receiving contradictory instructions, I made a report with the Federal Trade Commission ( FTC report # XXXX ) reporting that I was a victim of identity fraud and fraudulent charges had been made on what I believed was a closed account. I also began to contact the three credit bureaus individually to dispute this charge and discovered I was a victim of XXXX 's breach ( XXXX claim # XXXX ) and my personal information had been compromised. I had learned that partial payments had been made on this account with the use of a debit card. Therefore in XXXX, as instructed by Citibank, I sent a packet containing copies of my bank statements showing I did not make said payments. Included in the packet was also information regarding my driver 's license, social security number, XXXX claim #, FTC Report and a summary of what had transpired since XXXX. This packet has since been sent several times to Citibank due to their lack of response and repeated assertions that they had not received the packet. I also retained an attorney who also sent the packet several times. Beginning on XX/XX/XXXX I and my attorney have requested copies of any statements, delivery addressee, charge slips, investigator 's summary and any other information regarding these fraudulent transactions. These requests have been made verbally and in writing. To date, we have not received any information despite repeated assertions that they will be sent. Moreover every time I call to determine whether the items are sent, I am informed there is no record of the items being sent. I have requested several times to talk to the investigator who I am told is named " XXXX '' but am refused access to her. In one of these many calls I was able to determine that the physical address on the account, the email address and the security code to gain access to the account had been changed and were not mine. Since XXXX of XXXX, this issue has yet to be resolved. I am given a different response every time I call, I am not given a status of the investigation, and am told a different account of what should happen every time I call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A