Date Received: 2023-02-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Several months back I opened a Citibank , N.A . Accelerate Savings Account. This morning I received an email saying that my account was being closed. I was also locked out of my online banking portal I called the number provided in the email and was routed to the fraud department. I verified my information and they informed me the account was being closed because of a check that was deposited - but they would not tell me the problem with the check that I deposited. I asked the representative if the closing of my bank account would affect my Citi credit card. He said something non-committal like " we are no longer servicing your account. '' I explained that I understood they were closing my savings account but that I was asking about my credit card account. He repeated " we are no longer servicing our account '' like he was on a script. I repeated my question about the credit card. We went around like this several times, and I asked him to please listen to and answer the question I was asking about my CREDIT CARD. Then the representative hung up. I then called the number on my credit card. That representative referred me back to the Citibank fraud department. This representative was only marginally more helpful. Specifically, this representative at least had the decency to explain that the reason my account was closed was that I deposited a check with an " unverified address. '' I explained that the check was written out to the address of another home I own where I used to reside. The representative said that the account had already been investigated and closed. I asked when I would receive my money back ( I believe the balance was around {$38000.00} ), and he said I would receive a check in 30-60 days. I asked what right Citibank had to hold my money hostage, and he said it was under the customer agreement. It is inconceivable to me that they can close the account for such petty reasons and refuse to return the funds immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Repeatedly Citi CEO XXXX refuses to answer me. How outrageously rude! Citi is charging me {$40.00} per month for each month that there is a balance due and owing. And so the late fees are not astronomical. I shall not, shall never, pay these late fees no matter how many times Citi and its lawyers take me to court. My beloved wife XXXX and I live ONLY on Social Security and can not at all make ends meet. I shall never pay these late fees! I shall declare bankruptcy if necessary!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 I entered a promotional agreement with CitiBank to XXXX XXXX {$50000.00} and leave it in a saving account for 90 days and I would receive {$450.00}. I have honored the commitment and continue to call weekly- they have " filed a dispute '' internally several times but - I continue to be ghosted and have no resolution for months. This is not complicated and clearly a scam by CitiBank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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: I would like to explain the problem in the simplest way possible. I bought several 12-hour packages on XXXX XXXX is an online tutoring website. They made an automatic charge for 12 hours that I did not authorize. As soon as I complained to XXXX about this unauthorized charge, they issued me a refund. They charge a small fee per transaction, in this case, XXXX, which they charged to the card in order to give me a refund. They authorized the refund for XXXX but for some reason the bank did not apply it to my account. Please, you will be able to find attached to this document the XXXX refund receipt which by itself should clarify any doubt, and you will also be able to find the chats with customer service about the refund. As you can clearly see the problem is not with XXXX They agree with me that the charge of XXXX was unauthorized and approved my refund. the problem is with CITI BANK which refuses to give me my money back. citibank Case ID XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have XXXX late payments on my report from a company that was not my fault. I never received a bill or notification of the bill until it was to late. I have tried fixing the error with the company and explained i never received the bill but have not had success. Trying all avenues to get this fixed so i thought i'd reach out too see if there is anything you can do. Your help is greatly appreciated. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello, In XX/XX/XXXX, I went to Best Buy to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a Best Buy late payment from XX/XX/XXXX. I had XXXX open accounts with Best Buy, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, Best Buy has violated the Fair Credit Reporting Act, and now the Credit Reporting Agencies have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citi Bank Miles Ahead Savings Account. I was supposed to receive XXXX XXXX XXXX XXXX miles after depositing at least {$10000.00} in funds and keeping the funds deposited in the account for a requisite period of time ( I was told by a representative that I needed to keep the funds in the account from XX/XX/XXXX to XX/XX/XXXX ). I withdrew the funds on XX/XX/XXXX. I kept the funds in the account for the requisite period of time but never received the bonus. I have used the live chat feature to discuss the bonus having been never received on numerous occasions. Finally, the representative opened an investigation on XX/XX/XXXX. The following details were provided : For your records, YOUR CASE ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We appreciate your patience and understanding during our research process. I have called to check on the status and each time, they say to please allow for extra time ; that the case is still pending. At first, they said it would be completed in five business days. Now they said 30 business days. Most recently, one employee said to allow for two more days. They say they have escalated my concern, but I have become convinced that they aren't doing anything. They keep punting this down the road and I am tired of it. I, along with others, qualified for the promotion and they are withholding the airline points, likely to the benefit of the company strategically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I been receiving credit card at home I didnt apply for, I been calling all of the lender to cancel. but some of them not answering my calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A