Date Received: 2024-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To the best of my recollection - In XXXX XXXX XXXX at the XXXX XXXX ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a withdrawal was attempted and denied. I then proceeded to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was XXXX minutes away and attempted a withdrawal. This withdrawal was also denied. I'm assuming that the withdrawal amount exceeded the amount allowed to be withdrawn at one time. From what I can recall, I pulled into a car wash that same day and I attempted to call Citibank to get the issue resolved. I remember I had the flu at that time was frustrated when I called. I was told the account was froze and moved to the fraud department. Since that time I have called several times to resolve the issue. I was told that Citibank would mail a letter to confirm my identity and then the issue could be resolved. I have never received a letter and when I called back they offered no alternative to resolve my issue. At this point I am willing to fly to the Citibank physical location in Florida to prove my identity, but I am worried that they would say it has to be resolved by the fraud department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account Details : Creditor : THD/CBNA Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX XXXX XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice onXX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. Given the legal resolution and dismissal with prejudice, I insist that Citibank immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that Citibank conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We closed on our refinance mortgage with XXXX XXXX using our title company to provide checks for credit card payoffs. All cleared- but for Citibank- in less than a week. Citibank is almost XXXXhree weeks. They have the check. Nothing returned. Title company told us they are one of the top three most unethical banks in the United States charging interest for three weeks when they have no reason too. This title company sends out tens of millions in checks for multiple national mortgage companies. XXXX XXXX XXXX of dollars reaping what Ive estimated at a XXXX dollars or more. Should be illegal. I want to know whats going on. A Citibank customer for over 30 years. Even venture transactions in the tens of millions. I think Ill pull all of that, eh?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX I bought a XXXX XXXX XXXX XXXX called XXXX XXXX Package in which I was entitled to weekly training webinars, XXXX assigned mentor for support, assistance and review for financing on qualified deals, offers and contracts before submission, XXXX XXXX to work deals for 2 days, Access for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX told me I will get all of this as soon as I pay for the package. So on XXXX XXXX I paid with my debit card from Citibank the amount of XXXX and on XXXX XXXX I paid the amount of XXXX. On XXXX XXXX I call Citibank to dispute these transactions because on XXXX XXXX I called XXXX XXXX and makes my complaint about not getting all the things that were in the contract I signed they told me I have to wait for they to check if I qualify to get my money back. So this is the reason I dispute these transactions with Citibank to help me to get my money back. Then Citibank sent me a letter asking me for the days of the transactions and the amounts and explanation of what happened. They never ask me to send any paperwork, I did what they asked me for following the protocol but on XXXX XXXX they sent me letters saying that they werent able to resolve the dispute because of lack of information. I called them and sent them email letting them know they never asked me for any paperwork to proof or show the fraud so they reopen the disputes but till now they never answered me back. On XXXX XXXX I sent by a fax all the paperwork asked me from these transactions and I didnt get any answer back so on XXXX XXXX I sent a mail to Citibank with all the paperwork they asked me but till now I dont get any response. I think I acted as fast as I could to dispute these transactions but Citibank didnt support me. This XXXX XXXX had a court accin that the FTC of USA opened against them around XXXX XXXX after that on XXXX XXXX The court by the petition of the FTC cancelled everything XXXX XXXX XXXX were doing because of the fact of using students selling classes package that they never give to them properly according to their contracts. Im in New York and I know there were many students from different states of USA that were affected by XXXX XXXX XXXX but I know many of them were helped by their banks to get their money back. My complaint is against Citibank because they didnt give me enough support to get my money back and till know every time I called them they kept me in the phone for hours with no explanations about my disputes. I know they been helping students that did their transactions on XXXX and XXXX but I feel that they denied their help to me. I have all the paperwork that I sent to Citibank if you guys need it to help me Thanks so much Sincerely XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11369
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: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XX/XX/XXXX Citibank Home Depot store credit card with a limit {$500.00} current payment status XXXX dollars is due this account is showing as negative payment on my account that should be removed from three the credit bureaus as of XX/XX/XXXX account number XXXX remove all late payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX account was hacked on XX/XX/2023. The criminal, who's name appears to be a XXXX XXXX, used the saved credit card on file to repeatedly purchase {$50.00} gift cards. After XXXX successful transactions, Citi, my credit card company, locked my account for suspicious activity. As soon as I had a chance I disputed the charges. Citi issued a temporary credit and opened an investigation. On XX/XX/2023 I was contacted by Citi asking for additional information. I filled out all of their forms and returned them as instructed. I was just informed that the credit was reversed. The real criminal aka XXXX XXXX is still out there trying to access my account. They try to log in numerous times every day. This should have been an open and shut case with a quick and permanent refund. XXXX won't allow me to request a refund and Citi is taking their refund back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
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: 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: Home Depot notified me of a Fraud Charge in XX/XX/XXXX ; they assured me the issue was going to get fixed. XX/XX/XXXX, I received a bill and called Home Depot ; they notified me the fraud claim was denied. I re-opened the claim. XX/XX/XXXX, I receive another bill. I call once again, they say the claim has been denied once again. They are not able to tell me why this claim is being denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76401
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Not familiar with credit accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
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 was offering a cashback bonus for opening a new account with them, the details of which are no longer on the Citi bank as it has since expired. I have paperwork ( attached ) as it was an in branch offer and am including a link that references it XXXX XXXX XXXX Some high level details of the offer and qualifying amounts are included below : " Open a new CitiBusiness ( Analyzed ), Streamlined, or Flexible Checking Account between XX/XX/XXXXXXXX and XX/XX/XXXX, make a deposit within 30 days of account opening, and maintain your balance for 60 consecutive calendar days '' {$5000.00} {$19000.00} {$300.00} bonus {$20000.00} {$99000.00} {$750.00} bonus {$100000.00} {$190000.00} {$1500.00} bonus $ XXXX {$2000.00} bonus I went into the branch XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX and met with Banker : XXXX XXXX XXXX XX/XX/XXXX to open the account. After completing the required paperwork etc. was informed that the account should be opened in the next few days, that they would call me and let me know when I could pick the debit card up. When I didn't hear back, I went into the branch on XX/XX/XXXX and was informed that the account was actually opened and that they would mail me the credit card. I wanted to ensure I qualified for the new account promo so made a deposit of {$22000.00} on that day ( within 30 days ). On XXXX after noticing that my cash bonus had not been deposited, I called Citi and basically got the runaround. The representative started out by telling me that there wasn't a cash bonus offer at that time. I had the paperwork in front of me and proceeded to read out the offer details at which point the rep claimed that it wasn't a legitimate offer as there needed to be an alphanumeric code for the promo ( which there wasn't in the paperwork provided to me on account opening ). I mentioned that the offer was referenced in various articles and blogs and the rep put me on hold for a few minutes and when she came back on the line told me that she had found my offer online. She claimed it was " for a {$100.00} '' and could possibly honor that. At this point, the rep had no idea of the amount I had deposited and which bonus I would qualify for. I thought that was odd and mentioned it to her. She proceeded to tell me that while cash bonuses used to be automatic, this was no longer the case due to a large number of new account openings. She also mentioned that when customers call asking for the cash bonuses that these offers are investigated which is how she was going to proceed. I called Citi late that day to inquire about the progress of the investigation and the rep had no clue about this and told me that they didn't have my W-9 and that I'd need to go into the bank in person and then only would I maybe get my bonus. I already took the required documents required for opening the account ( Passport, DL, EIN paperwork ) as referenced on their page and don't like that they are giving me the runaround with no solution in sight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94555
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am writing about my Citi Aadvantage Platinum Select Card. Their customer service number is XXXX. I noticed that each month my credit card bill included a high interest charge even though I pay my bill down by the amount shown on the bill each month. For example, yesterday ( XX/XX/24 ) I paid {$19000.00} towards my current bill of {$18000.00} which is not even due until XX/XX/24. As a result, my account home page shows no payment is due. It shows a balance of {$1500.00} but those are charges that have been incurred after the current billing period. I asked that since my current bill has been paid in full should I expect interest charges on my next bill. And they said " yes, until you have a XXXX balance. '' How can I be charged interest on charges that haven't even been sent to me in a bill and while my account home page clearly says no payment is due? I wouldn't even know those charges existed if I only got paper bills. This is crazy. At the every least this is intentionally deceptive business practices and at the most there's go to be something illegal here. I was never given an answer when I called them. The call lasted XXXX minutes, XXXX of which I was on hold and then the call was disconnected ( not by me ). I would like any interest that I have paid be returned to me and for their business practices to be more transparent and clear. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A