Date Received: 2023-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I previously filed a dispute against my Wayfair Credit card for an item I returned and never received a refund for. Meanwhile, I continued to make monthly payments for the item and incurred late fees and interest. I have received notification from Wayfair that the dispute was resolved in my favor, and I was credited for the original purchase. I contacted customer support because, in addition to the credit for the original purchase, I am owed the monthly payments, late fees, and interest I should have never paid for this item. I was told I would receive the additional funds but to date have notes. The current balance of my account is- {$490.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-01-17
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: Card was charged for something you did not purchase with the card
Consumer Complaint: While travelling in XXXX on XX/XX/2022 I received a notification from the Citi app on my phone alerting me of potential fraud. The card in question was not on my person in XXXX -- I had left it at home because I never use it. There were 4 charges at 4 different vendors in XXXX and XXXX XXXX, Oregon. XXXX XXXX for {$36.00}, XXXX XXXX for {$39.00}, XXXX & XXXX for {$82.00}, and XXXX XXXX for {$180.00}. I marked the charges as fraudulent and cancelled the card. I also called a friend to go to my apartment in XXXX and check that my apartment hadn't been broken into and the card stolen. There was no break in. Weeks later I saw that the charges still had not been refunded and that an investigation was still underway. On XX/XX/XXXX I called Citi to reach the fraud department. I was asked questions about what had happened and I explained the above situation to them. On XX/XX/XXXX I received a letter in the mail marked XX/XX/XXXX from Citi stating that they did not consider the charges to be fraudulent and that I was now liable for {$340.00}, and threatening that if I am past due that they may report my account to credit collectors. I have had this card open for years and have never even been late on a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I've had a credit card with Citibank for years. In XXXX, I opened a checking account. In XXXX, I decided to close the checking account, and move my money into CDs ( also with Citi ). Now, many months after closing my checking account, Citi has revoked my online access to my accounts ( credit card, CDs ), unless I activate the debit card to an account that no longer exists. Because, they say, that debit card is expired (? ). When I again explained that the checking account is no longer open, they told me the only way I can regain access to see my credit card and CDs would be if I opened another checking account. They're so siloed, and I'm not getting help accessing my accounts. This is worrying, since almost all my funds are in those CDs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11385
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I had a bank account at Citi bank back 2021 and they let someone hack my account and try to deposit {$8000.00} into my account without permission due to a fraudulent XXXX transaction the bank ended up returning the money tot the person who tried to deposit it into my account so now it left me with outstanding balance for {$510000.00} which I have tried to explain to them that I shouldn't owe it cause it's preventing me from opening a new bank account any where
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90602
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct NO. XXXXXXXX XXXX : {$1000.00} Bonus issue unresolved after Numerous Communications with your bank On XX/XX/XXXX I applied for and opened a Citi Priority account onlineIn A Few Easy Steps from your ad featuring a bonus of {$1000.00} with a deposit of {$75000.00} and on the XXXX day the account time starts for 60 days and a requirement to keep the account open for an additional 3 months. After the 60 days a reward will be applied but the account must stay opened an additional 3 months. The web site application does not contain an award code or application code, just a statement of required activities based on the deposit amount. I deposited {$76000.00} on XX/XX/XXXX and at any time the account never went below {$75000.00}. After numerous inquiries about the bonus a award code was entered by the citibank rep and sent for resolution which was repeatedly denied since the award code applied was incorrectly entered since there was NO BONUS code in the application just the RULES. XXXX requests were made and always denied because the code applied was incorrect. After numerous verbal communications with Customer Service I was unable to communicate the real problem as your web site for the award does not contain a code or award number just the application and the rules. You can try to make an application from the site to see if a code or transaction will apply to the rules and award. I find this process completely inexcusable and decided to terminate my account relationship as of XXXX XXXX ( 6 months of accrued interest ) with your bank as no action on your part was able to provide the satisfactory resolution and will place my {$75000.00} in a bank that will honor the rules of a new account offer. Should you wish to make good on your original offer I will revisit applying my money with your bank. Sincerely, XXXX XXXX XXXX : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: CITI XXXX XXXX XXXX CARD ( CITI BANK ) On XX/XX/XXXX I called CITI Bank for a {$120.00} XXXX XXXX Rewards Voucher In was supposed to receive. The female representative assured me not to worry that they had mailed it out in XXXX of XXXX and sense I did not receive it they said they would re issue me a new one and it could take 14 days to arrive. Total time spent on phone was 14minutes. On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 1-2 billing cycles. Total time spent chatting via the app 35 minutes. On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 5-7 days and to rest assured. Total time spent chatting via the app 30 minutes. On XX/XX/XXXX I called CITI Bank and spoke to someone named XXXX. She informed me I was not receiving my {$120.00} XXXX XXXX XXXX and there was nothing she could do except share my feedback about the poor customer service. Total time spent on phone was 1 hour and 3 minutes. No compensation, no formal apology, nothing was offered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12180
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: Managing an account
Subissue: Banking errors
Consumer Complaint: New checking account Citi bank promotion, {$1000.00} promotion added to a deposit of XXXX after 90 days. 180 days have passed and bonus was never paid, I have been to local branch 3 times with out resolution. I want to close account and move the funds to a Certificate of deposit however the banking associate instructed me not to close the account because I will lose any chance of getting the promotion. On top of not getting the bonus this checking account is preventing me from earning interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-01-17
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: This dispute has not been resolved by XXXX XXXX XXXX XXXX. On XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX charged to me the amount of {$420.00}. As soon as, I notice this charge, I called to the credit card, and I dispute it. On XX/XX/2022 the credit card send me a letter saying that the dispute has been closed, because they did not find any evidence of fraud. Once again. I called to the credit card and re-do the dispute, requesting for the invoice to see the charges, but they closed it, again. Dispute ID : XXXX, requesting for the invoice to see why the hotel are charging me this amount, because minutes before leaving the hotel, I got my invoice which is for XXXX Shekel ( I have a copy of this invoice ). Today, I called again to the credit card asking for the supervisor, and noted that agents, lack knowledge, and how to resolve issues such as the one I am experience. I will sent by mail copy of the invoice, that I got from the hotel before leaving. And copy of the letter where the dispute was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received an offer from Citi Bank promising a bonus if I took the following " simple '' steps : Open a new account between XX/XX/XXXX and XX/XX/XXXX - XXXX opened my account XX/XX/XXXX. Fund your account within XXXX days of opening your account- I received a deposit receipt from Citi showing my account was funded with {$76000.00} on XXXXThis amount was stated to get a {$1000.00} bonus. Maintain your balance for XXXX consecutive days. It is now XX/XX/XXXX and I still have not been credited with my bonus. My {$76000.00} is still in their bank. I called the Citi phone number on XX/XX/XXXX and after going through many telephone trees was finally able to speak to XXXX who after countless questions and checking my account agreed that I had met all requirements but that she would not be able to credit my account at that time since the information had to be sent to " investigations '' and that should take XXXX days. My investigation number was XXXX. On XX/XX/XXXX I called again having not been credited with the promised {$1000.00}. I spoke to XXXX who said it would be some time before I received the credit even though more than XXXX days had passed. I asked for a supervisor and after waiting a long time on hold spoke to XXXX who told me there was nobody in the entire Citi system that I could talk to who could credit my account. He stated that many people had taken advantage of the offer and their was a backlog to issue credits which could be as much as XXXX months. I asked to talk to the " back office '' that he referred to as the entity issuing the credits. He refused. I asked to speak with the legal department. He refused. And then to add insult to injury he hung up on me. This is very IMPORTANT. Part of the offer in fine print states that " your checking account must remain open and in good standing from the time it's opened until you receive your bonus.Your bonus will be paid to your checking account within XXXX days after you successfully complete all required activities. '' To me this is a breach of contract and fraudulent behavior on behalf of Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To whom it XXXX concern, I have been a Cardmember of Costco Citi Bank XXXX ending in XXXX since XXXX. Throughout the XXXX years that I have been using this card I have always made ALL of my payments on time. On XX/XX/XXXX, of XXXX I received an update coming from the bank that exclaimed that my credit limit had been lowered due to my XXXX XXXX not being high enough. Due to this action taken by Citi Bank my overall XXXX XXXX was negatively affected ; Therefore, having been a loyal client by abiding to our contract during the XXXX years, I find this measure to be unfair by having negative repercussions on my XXXX XXXX, and affecting my overall status with every bank that I am a client of. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A