Date Received: 2023-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my Citi Bank Access Account was charged two separate transactions of {$120.00} and {$120.00} from a XXXX in XXXX, CA. These transactions were not made by me, nor were they authorized by me. I have never in my life been to the city of XXXX, and can assure that these transactions were not made by me. After submitting a claim with Citi Bank on that same day, I was told that the second transaction of {$120.00} was not approved due to insufficient funds. Weeks later after checking my records, I realized that the transaction was in fact approved. I received notice on XX/XX/XXXX that I will not be reimbursed for these transactions, reasons being : You informed us that your Citibank Banking Card has not been out of your possession Both your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals The activity appears to be consistent with your normal banking activities After reading this letter, I called Citi Bank customer service and was heavily doubted by the representative when I assured that the transactions were not made by me. The agent asked me questions such as Youre sure youve never been to that XXXX? After answering that I have not, the agent made comments such as, I dont know. This agent was being very disrespectful and was implying that I was responsible for these transactions. At the end of the call, the representative told me to Go back to my own country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2016 I set up an account with Citibank to store XXXX XXXX XXXX security deposit of {$1900.00}. I left this account alone until on XXXX I was trying to access this deposit to return to XXXX XXXX I found that the account had been closed and Citibank could not provide any record of what happened to the money that had been in the account. I requested that I be compensated for the missing funds and that I be provided an explanation of what happened. I had multiple conversations with banking associates and the bank manager who over the course of 8 months insisted that they were escalating the manner for a new level of inquiry. After this " thorough '' investigation I received a letter that the account was closed by Citibank ( without my permission ) when there was an overdraft of {$38.00}. I did not receive any information on the source of this overdraft or any information on what happened to the {$1900.00} security deposit that belonged to XXXX XXXX. It feels like Citibank is hoping that I will give up and forget about this lost account. this leaves me little choice but to pursue legal representation and lodge this formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Never authorized it.Please removed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citi avoids to acknowledge my XXXX XXXX account was totally locked, and my money completely inaccessible to me from at least XX/XX/2022, when I first noticed. I eventually received the check for my money on XX/XX/2022, making XXXX days that I had no access to my money. Instead of doing what is right for its savings account clients, Citi chooses to hide behind their XXXX XXXX for Consumer Accounts. Where is it shown in this XXXX XXXX for Consumer Accounts, that all money on deposit in a client 's account will suddenly be locked and made 100 % inaccessible, for an open-ended unspecified amount of time? In my case, ending up being XXXX days. ... XXXX days of my fighting with Citi 's dishonesty before they finally gave in, and gave my money back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX current balance amount is {$1000.00}. Citibank closed my account around XX/XX/XXXX and I still havent received my current balance left in my checking account. They keep stalling the process and keep telling me to check back in XXXX business days when they are going to mail my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a promotion offer from Citibank to open an Accelerate Savings account between XXXX, deposit {$50000.00} within 20 calendar days, maintain this minimum balance for an additional 60 days, to receive {$450.00} bonus reward within 30 days. I opened my Citi Accelerate Savings account on XX/XX/XXXX, deposited {$50000.00} by XX/XX/XXXX, my balance has since always been above {$50000.00}, but after waiting the required 60 days plus another 30 days, I have not received the promised {$450.00} bonus. On XX/XX/XXXX, XXXX PST I called Citi and spoke with a representative named XXXX XXXX who verified that the promotional offer was attached to my account and that I qualified for the bonus. She filed a promotion dispute and stated Citi will resolve the matter within 15 days. On XX/XX/XXXX, XXXX PST, I called again and was told the dispute was submitted but takes 20 calendar days. The representative, Era, had no ability to apply my due bonus and the security team who does allegedly have the ability to fix this issue, can not be put in contact with me, the customer. I fulfilled all the requirements, also confirmed by Citi 's representatives, and should not have to wait endlessly for the bonus promised to me, dance through this bureaucratic ring-around, and make multiple calls to try to get my due bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently opened a Citi Acceperate Savings account ( approx 30 days ago ). Once opened I transferred {$50000.00} into the account via XXXX from an external bank ( Bask ). On attempting to log into my online Citi account I was not able to and recieved a message that my account had been blocked and to call a number for more info. I called and was told that the account was flagged for closure due to fraudulent acitivity and that this process would take 30-60 days and after that time my {$50000.00} would be returned via a check sent in the mail. I protested this and told them to close the account immediately and return the {$50000.00} even quicker. Citi refused and kept telling me the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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: On XX/XX/2022 I gave a birthday party to myself at the XXXX XXXX restaurant on XXXX XXXX XXXX, When I gave the owner XXXX XXXX MY Citi Card Master credit card for the payment of XXXX dollars, the card was " declined. '' So, I gave XXXX XXXX my XXXX XXXX XXXX XXXX, and that card was " authorized ''. When I received the XXXX XXXX XXXX card bill in XXXX I paid it. But, a few weeks later I received a bill from Citi Card for the same amount. I called Citi Card and disputed the charge, explaining their card was declined and that I had paid XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX party. They asked for proof. I sent them a copy of the receipt that indicated the decline status. After many communications and copy of the XXXX XXXXXXXX bill between me and Citi Card they told me to get in touch with the merchant .I called XXXX XXXX on his cell number ( XXXX ) at the beginning of XXXX and left a detailed message of the problem but have not heard from him. I went on line of his restaurant to find that after many years in business on XXXX XXXX he was closed permanently.., I continue to get billing from Citi Card . I contacted the XXXX consumer protection Office and they told me it was a FDIC problem .The FDIC referred me to you. Please help/ Citi card charges me interest every billing period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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: XXXX and XXXX of 2022 I had unauthorized purchases on my account. I went to XXXX XXXX store in XXXX and got a print out of purchases. My son, who is XXXX and lives with me made purchases on his XXXX XXXX online account using my credit card.I disputed these charges and canceled card. Citibank initially denied the disputes based solely on the fact that my son has the same address as mine. I was never contacted by anyone from Citibank regarding the charges I disputed. I sent a letter to them and they re-opened the claim. Again, no one reached out to me and they closed the claim a XXXX time. I have several claims reported with other financial institutions and have filed a police report in this matter against my son. Citibank only asked if an arrest had been made which has not happened yet. I feel no investigation has been done since they never received any type of statement from me nor even reached out to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited a XXXX check that my father in law wrote to me XX/XX/XXXX. The next day my account was restricted. Citi bank asked to verify the funds, his bank wrote a letter to them. They accepted the funds and withdrew the full XXXX from his account XX/XX/XXXX. They told me they closed my account and will be issuing a check of the amount that is owed to me. To be on the look out for 30 to 60 days- the soonest I would receive a check would be XX/XX/XXXX, the latest XX/XX/XXXX. It's now XX/XX/XXXX, they're telling me to wait another 30 to 60 days. This couple months have been extremely hard on my family, we had to asked for donations for XXXX because of this situation. I'm barely making rent.. and because of all of this I'm literally on the edge of being evicted- I am falling behind on bills because they are holding my money XXXX. I have XXXX beautiful children under the age of XXXX whom I have barely been able to support. I want everyone aware of this situation. I don't wish this on my worst enemy. This is wrong. I truly don't know how they are in business. I have countless interactions with the business and the department that is handling my issue. As of XX/XX/XXXX they were waiting to hear back from the " back office '' regarding the release of my funds and they would be sending a check asap. But come today- mind you- it's been the first time I've heard my account was closed TODAY and now I have to wait 30 to 60 days for my XXXX check. I can not wait any longer. I need this resolved. It has caused so much distress on my family and my children. I have contacted the XXXX i am waiting for a response. I have contacted the XXXX. And I have reached out to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26505
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A