Date Received: 2023-02-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022, I opened a Citi Priority Package ( checking + saving ) account and deposited a combined total of $ XXXX. I fulfilled the requirement of keeping the funds in the account for XXXX consecutive days. According to the agreement, I was supposed to receive a {$750.00} bonus within XXXX days, which should have been no later than XX/XX/2022. However, I have yet to receive the promised bonus. Unfortunately, this is my second time experience the exact same thing with Citi, they just want to take your money for as long as they could without giving any bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95616
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: After reading an article from multiple sources ( XXXX, XXXX XXXX, etc ) I signed up as a new customer for a Citibank XXXX account. They have an excellent welcome bonus up to {$2000.00}. The bonus was last year as well and they have restarted it as you can see below. Starting XX/XX/2023, I signed up and started making large deposits into the account. On XX/XX/2023 I called customer service to confirm the terms and conditions of the welcome bonus to make sure I qualified. I did. After that I deposited more money up until XX/XX/XXXX to a grand total of XXXX. I actually tried to deposit more money and was stopped from doing so. I called customer service again to make sure fraud or the like wasn't the issue and they couldn't determine why I couldn't transfer any other money into it. My account was blocked from making any more deposits. Since then the money has been sitting. I have made no withdrawals. Not only did I not get my welcome bonus, I haven't earned a single XXXX in interest. I called Citibank XXXX customer service to tell them about the situation. I was given a sorry, can't give you a welcome bonus since there's nothing listed on your account but you qualify for an upgraded citigold account. You may get a welcome bonus but you would have to wait through the period again. I then questioned about earning XXXX percent interest on the account. I was told that the interest rate was low so that's probably why I didn't earn anything. I said off XXXX, even if the interest was XXXX I would still earn something. I haven't earned anything. Again it was recommended I upgrade which I politely declined. Why would I upgrade and give more business when my initial issues haven't been resolved? I was told that a complaint could be input and so I did so. With that Citibank would have held onto XXXX, without paying any interest or bonus for over XXXX days. Citibank is heavily promoting a deal that they are not keeping. Is that legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I obtained a Citi XXXX XXXX for {$7200.00} via my Citibank credit card at an interest rate of 6.99 % for 24 months. I continued to use my Citibank credit card for occasional purchases at a promotional/deferred interest rate of 0 % until XX/XX/XXXX. Since then, when making my monthly payment via the Citi website or the Citi XXXX application, I am given several payment options. One of these options is Adjusted New Balance + Flex Plan Monthly Payment ( hereafter abbreviated as XXXX ). The Citi website payment page describes this payment option as follows : This includes your monthly XXXX XXXX Payment Amount and the non-XXXX XXXX portion of your last statement balance. It does not include XXXX XXXX payments due in future months. While I am certain I made my monthly payments in XX/XX/XXXX and XX/XX/XXXX using the XXXX option, I will instead focus my complaint on the XXXX payment I made in XX/XX/XXXX, because I have the screenshots to prove it. I knew something was wrong with my purchase balance once I received my statement during XX/XX/XXXX. I contacted Citi customer service via phone and online chat. I spoke to XXXX and XXXX via online chat on XX/XX/XXXX. XXXX not only shut down my chat without resolving my issue, but she insisted that I would not be able to pay my purchase balance unless its interest rate increased beyond the 6.99 % of my flex loan or unless I paid my flex loan in full first, regardless of where Citi says it will allocate my XXXX payments. To this I said ( Im paraphrasing as I no longer have the chat record ) so whats the point of making an XXXX payment if it isnt going to pay my purchase/non-loan balance in full, plus my loan payment, like the payment portal says it will? She refused to answer and, instead, exited the chat. Later that day, I spoke to XXXX. I asked her if my purchase/non-loan balance would return to {$0.00} and if my entire balance would consist of my flex loan so long as I made a full XXXX payment for XXXX, XXXX, in the amount of {$700.00}. She affirmed that yes, making that {$700.00} payment ( instead of my {$350.00} minimum payment ) would return my purchase balance to {$0.00} so long as I utilized the XXXX payment button and did not type in {$700.00} as a custom payment. I followed XXXX instructions to no avail. Before making my {$700.00} XXXX payment moments after talking to XXXX, on XX/XX/XXXX, my purchase balance was {$370.00}. Now, instead of {$0.00}, its {$340.00} on my XX/XX/XXXX statement. This is unacceptable. To be clear, it is especially problematic because my 0 % promotional XXXX expires in a few weeks and this inaccurate purchase balance, which should be {$0.00}, will begin accruing interest and I believe I would also owe all of the deferred interest from the previous year. I spoke to another citi representative on XX/XX/XXXX, the day I received my XX/XX/XXXX statement, who explained that Citis payment portals are giving meand all Citi customersinaccurate information. Sure, she said, the payment portals tell me my purchase balance will be paid in full if I use the XXXX button, but this is only accurate if my purchase APR is higher than my flex loan or any other credit products I may utilize on the card. Regardless of what the payment portals tell me, she said, my account will be paid off balance-by-balance in interest rate order, with the highest rates first. The Citi payment portals will not tell me the truth about how my payments will be allocated, she stated, if my purchase APR is lower than my loan APR ( which it is ). She explained precisely how I was swindled by Citi into making at least one loan payment ( and I believe, actually three loan payments ) for nearly double what I owed Citi under the false premise of paying off my purchase balance and paying my monthly loan payment concurrently. I then spoke to yet another citi representative, XXXX, via chat on XX/XX/XXXX. I asked him how I could possibly pay off my purchase balance if its APR was lower than my loan balance, without paying the loan in full first. Logically, he suggested I utilize the XXXX payment option. This absolutely should be the answer, and according to the Citi payment portals and all of these customer service representatives, it is the answer. When I entrusted Citi with my {$700.00} XXXX payment, I expected them to honor their word, that my payment would pay [ My ] monthly XXXX XXXX Payment Amount and the non-XXXX XXXX portion of [ my ] last statement balance, precisely as Citi stated it would via its customer service representatives, its app payment portal, and its website payment portal. But they didnt. My lived experience proves it ; I'm almost certain this happened 3x now, though I can only prove it happened this once. This is a problem. Providing consumers like myself with false payment allocation information is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I used XXXX XXXX XXXX XXXX and gave XXXX my Costco/Citi Bank credit card number for monthly charges for the phone service. I discontinued my XXXX mobile service on XX/XX/2022 and began using the service of a different carrier. XXXX continued to charge my Costco Citi Bank card even though I had discontinued service with them. I notified Citi Bank several times. Citi Bank failed to resolve the dispute and continues to allow XXXX to charge my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an account with citi bank on XX/XX/22 and transferred {$6000.00} into the account to open it, on XX/XX/22 the locked my account and said me transferring funds was fraudulent, even though they told me I had too to open the account. I called them on XX/XX/22, the same day, to try and unlock it and they said no they were closing the account and their was nothing I could do and they would mail a check in 60-90 days. I have tried to call at least 12 over the past year times and every time I get a transferred multiple times and told they can not help me I just have to wait, they wont even tell me if they mailed it or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I deposited {$800.00} to my Citibank savings XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on the date of XX/XX/XXXXXXXX XXXX XXXX. The ATM ID is XXXX. Due to technical problems, the ATM took the cash, however, did not deposit the amount to my account. I immediately informed Citibank receptionist of my problem and they Called customer service. After an investigation, they provided me with a letter and investigation number : XXXX. They issued me provisional credit for the amount listed above. However, they responded saying they found no ATM discrepancy through a letter received on XX/XX/XXXX. They removed the provisional amount initially funded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: This account was closed and I want nothing to do its or affiliation .because of no access to my funds do you know how much was lost because of these XXXX and how much what this does to somdone when they have to pay things on time. I haven o access to fins means no ability to pay and Stay on my stuff lawyers court lawsuit for what they have lost. I have none of my funds. They are going to be sued. I can't do anything without my funds. In court thy see no funds equals banks fault and responsible. I want my funds immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-02-05
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: This complaint is regarding the following bonus sign-up offer through Citi bank XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, a deposit of {$50000.00} was made to qualify for the {$450.00} opening balance. All contingencies were met and verified as such through online chats with Citi representatives. The 30-day payment window has since passed. From the link above, " Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. '' An official case ( # XXXX ) was opened with Citi regarding the non-payment and violation of the terms of service. On XX/XX/XXXX, an online agent told me it could take up to 5 days to resolve. Upon inquiring with an online agent on XX/XX/XXXX about the claim 's status, I was told it could take up to 15 business days. Throughout this process, I've been told conflicting information numerous times by Citi online representatives. When I notify them of this, they say they'll " refer the other agent for coaching. '' Meanwhile, if I had violated the terms of the agreement, it is guaranteed they would immediately disqualify me. I'm getting the runaround on my deserved sign-up bonus, and I feel like the CFPB should be aware of this practice by Citi. While I wait, I'm forced to keep my account with them open and in good standing, meaning they're holding my deposit XXXX while they delay paying me my deserved sign-up bonus. From the above link, " Fourth, your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Bonus. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: Good afternoon! I made a money transfer on XX/XX/2023 in the amount of {$50000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have 2 credit cards with Citi, call them card1 and card2. I balance transferred {$250.00} off EACH card to my XXXX XXXX XXXX XXXX card. XXXX sent two {$250.00} payments, one to each Citi card. One of the payments went through correctly to card1, the other did not, to card2. When I reached out to Citi, they took the payment that went through correctly to card1 and moved it to card2. I called them back to explain that this was an error, as the payment to card1 was not incorrect. There was another {$250.00} payment that was supposed to go to card2, but did not. The missing payment to card2 was the problem. They moved the payment back to card1, but then closed the issue, leaving me with a still missing {$250.00} payment. I called back and asked to speak to a manager, since they were having trouble understanding the issue. I was told I could not speak to this persons manager as they didn't have one. I was then hung up on. I would like my missing {$250.00} payment found and correctly applied to card2. I would like correctly applied {$250.00} on card1 left alone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72901
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A