Date Received: 2024-01-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On or around XX/XX/XXXX, I was XXXX XXXX XXXX for a work related trip. I had used my card Citibank bank card attached to my Ciitbank business checking account for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I woke up the next morning, the account was all of a sudden severely overdrawn. I noticed that the running balance of posted transactions was way off and had gaps in it even when the transactions were already posted. I had to call customer service 4 times and finally I was then connected with tech support who acknowledged that there was a glitch and some transactiions were being double counted and I was advised to let the balances clear and it would all straighten out. I did do that but had to call back to get a bunch of the overdraft fees cleared out. However, this problem kept happening. I really did not have a chance to delve into my account every day by mid XXXX, when I was almost certain I had plenty of funds, again I was overdraft. In XXXX things snowballed out of control only because the erroneously assessed fees were then putting me into an actual overdraft state. Between XXXX and XXXX alone I was charged more than {$3100.00}. This is ridiculous. I have spent literally more than 7 hours on the phone with customer service and about 4 hours in branches. The customer service phone people first tried to tell me originally that these were not Citibank fees. Then they said they were. Then I was told that the fees would have to be reversed at the branch level. I went to one branch and was told they would look into it, then was told to go to the branch I opened the account in but the banker assigned ot me was out of town. Another nearby branch manager went to take a look but then she was going out of town so she had a business banker go on the phone with me with customer service. I literally on that phone call spent 45 min asking for an explanation of just one overdraft charge that was assessed on XX/XX/XXXX ( By this point I have noticed fees were being assessed throughout the whole year when as one can see from the balances on the statements, is just not possible ) and after being threatened that my account would be closed if I left it overdrawn ( it was about {$1500.00} that day ), I still had no answer on just one transaction. Conveniently the customer services computer system didnt go back that far for her to be able to see. I have been told twice at the branch level that the fees are accurate and there is nothing they can do until I then demonstrated not only did I have screenshots that clearly shows the running balance is not being calculated properly, but I also showed them the notices I was sent by mail stating that on XX/XX/XXXX for example the available balance at the beginning of the day was {$100.00}, but on this day in particular, I had take a client and my assistant out to a nice lunch, my assistant and I had a drink at the bar after our client left, and I filed articles of organization and paid the filing fee for a new client that day. I would not have been able to use my card had that been the available balance. The other example is that the notices say my available balance at the start of a day isXXXX {$480.00}. At the end of the day it was XXXX {$1500.00}. But the notice for the very next day states that my available balance for that day started at {$120.00}. But there are no transactions whatsoever that could explain how {$1700.00} all of sudden becoming available when nothing had been deposited for a few days in that account so therefore nothing was waiting to clear. Citibank is now conducting another investigation after I stated I would take this to court if need be. I feel like Citibank is caring ore about not wanting to admit fault, not wanting to credit anything, and wanting me to XXXX XXXX This has devestated my business and has had some serious implications on me personally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have returned my item from Best Buy and was still charged. I have struggled to pay an item that was returned. Ive reached out and they did not assist me properly XXXX XXXX Online order XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls on multiple different numbers, but calls repeatedly during the days, weekends, and though out the week also. Calls are over seven times within seven days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79423
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted the listed creditor to provide proof of consent without successful response from them. According with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 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. I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My wife and I have a Citi Bank XXXX XXXX Credit Card. Through our online account, we indicated that she would be travelling from XX/XX/XXXX - XXXX with the intention of using these credit cards as her payment method while on this trip. Along with these credit cards, my wife only brought around XXXX dollars USD with her. Upon arriving to XXXX XXXX, she is being prompted to use a PIN to complete any credit card transactions. We were not made aware that a PIN may be required and it was not something we were familiar with. I also did not know what the PIN was, and it wasn't until contacting Citi that I realized how archaic of a process to obtain a new PIN. After speaking with several customer representatives at Citi, they refused that I speak with a supervisor to help escalate this issue further. I assumed they might be understanding, or have some means to help with this situation, but other than shrug their shoulders, they were not helpful one bit. I wanted to get in touch with a supervisor or a manager, as I had hoped I could get this issue escalated with the intention of having a new PIN overnighted ( at my expense! ), but they refused to let me speak to a higher-up telling me they also could not do anything. This is my wife 's first time travelling over seas and Citi never made me or my wife aware that a PIN may be required. Had they made us aware in the first place, prior tot Travelling, this would not be as big of an issue. Citi needs to publish this information and make it more clear AND visible so that others do not run into a situation like this. You would think Citi would be understanding and try to help in this situation, but they didn't have a care in the world or try to help at all. Clearly they do not put American Citizens first, especially in this type of situation. Now my wife has {$200.00} cash to get her through an entire week. Then what? Citi at no point tried to make this right even when I offered to pay out of pocket to have a PIN overnight mailed to me. Again, I can not stress enough, had we known we would need a PIN, we would have been sure to set this up. The PIN requirement was never made apparent at all when we placed the travel dates on our card. It is unacceptable, especially in the digital age of XXXX, to have to send a PIN via snail mail and have no alternative means to recover or reset this PIN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
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: Account information incorrect
Consumer Complaint: My son made the full payment on the card. and he processed the payment! Then they canceled the account without any explanation! then it was tried on several occasions and it turns out that they want more money and above all they asked me and my potential son negative and they damaged our credit on purpose! It was on the credit no late payments ok now they changed it and put debts that were never paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hello, There's a collection account that's on my profile and it was deleted in 2022. Now it shows on my credit report again. according to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and they reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand they delete these items from my credit file or I will seek litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. XXXX XXXX XXXX XXXX # XXXX Thank you for your time and help in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a checking and saving account in Citi Bank. Citi closed my these two accounts on XX/XX/. But, up to now, I have not received any funds from these two accounts. I called Citi Bank several times where is my funds. But, no any response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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/24 Citibank withdrew {$2000.00} as a payment without authorization. On XX/XX/24 after contacting them and indicating their actions were unauthorized, they returned the money to my account. On XX/XX/24 the again withdrew {$2200.00} out of my account without authorization. They currently have not returned the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48446
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Starting in XX/XX/2023 I made several credit card purchases with a Citi Bank credit card where I had previously rolled a larger purchase into an installment loan at a favorable rate ( approx 5 % ). I judiciously prepaid these subsequent card purchases in advance of the billing cycleto avoid the 22 % + standard credit card interest rate. Citi inappropriately charged me interest on these subsequent purchases at the high rate. Their bankers pointed out that my prepayment in advance of the billing cycle caused a system glitch whereby the normal hierarchy of payment applications didnt work. They refunded my interest twice but claimed they could not refund more than twice ( regardless of it being their system error ). Something is wrong and many customers may be getting over charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A