Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Notified company of reopened XXXX XXXX bk case -- still reporting as delinquent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17545
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had two credit cards with Citibank, I cancelled the Citi XXXX card on XX/XX/22 because I couldn't justify the annual fee with my spending habits. At the time, I had XXXX Thank You Points. Note, the two cards were combined in Citi 's Thank you point program. I was unable to see the Thank You Points separately in the program website, from everything I could see, the points were combined and not associated with either card anymore. I ask the CSR if I needed to do anything with the Thank you points after cancelling, since the cards were combined. I was told no, because they are combined. I received a confirmation email that my XXXX card was cancelled on XX/XX/22, it stated that I needed to use the thank you points within 60 days. It also stated you won't have access to the site unless you have another card, which I do. I assumed this was a generic email that did not differentiate between combined and non-combined Thank you points accounts. I logged into my account in XXXX and noticed that XXXX thank you points had disappeared, I called the Thank you Department and was told there was nothing they could do because it was after 60 days. I called back and the new CSR tried to reinstate my XXXX card to see if they could fix it that way, but it was denied due to the time frame. At this point, I was told the points were gone forever. No other options were provided, I would have been happy with a similar credit on my other open card. I lost {$900.00} worth of points because of a misunderstanding on how the cancellations work when you have multiple cards that are combined in the Thank You Points program. At a minimum, the points should be paid out as a credit at their lowest {$0.00} cents value. Why would points that I earned just disappear? Why would a reasonable consumer cancel a card with {$900.00} of points on it to save a {$99.00} annual fee?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Began searching for online savings account in XX/XX/2022. Found offer for Citi XXXX XXXX account with high yield bonus on their website. It had me enter zip code to see if offer was good in my area. It was confirmed the offer and I opened the account with initial deposit of XXXX on XX/XX/2022. I received email ( attached ) titled XXXX, Congratulations on enrolling in the Citi XXXX XXXXXXXX XXXX XXXXXXXX Bonus Offer on XX/XX/2022. The email details the criteria where balance level must remain at XXXX or above to receive the XXXX bonus. My balance level never went below XXXX and currently above XXXX. After the promotion period ended I proceeded to contact customer service through chat multiple times where it was confirmed that met all the criteria and was told I would see the bonus applied in XXXX hours ( Citi can access the archives of the chat ). Nothing for weeks and I finally called customer service. Was told the inquiry was submitted under the incorrect promo code. A manager found the correct promo code and reopened and was told I would get call back in a week. Weeks went by and heard nothing so I called back again. Incredibly condescending customer service agent told me that I am ineligible for the bonus without any details and said I could write a letter regarding the decision. I figured I would submit a CFPB complaint before filing a small claims and going to local media.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
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: My Citicard XXXX card had repeated fraudulent charges from XXXX. They reversed them and gave me a new card number. XXXX then charged the new card number. Finally, I closed out the entire card with the fraud department. I paid off the entire bill except for the fraud charges. However, despite the card being closed because these charges were fraudulent ... and despite XXXX phone calls, XXXX chats, XXXX emails, XXXX faxes, and XXXX snail mails, Citicard is still billing me for the fraudulent charges ( with interest ). I am unable to find anyone at Citicard, in any department, through any form of communication, who is able to fix this. Every time I'm told it will be taken care of, then the next month I get another bill with more interest and fees. We are literally talking about a total of XXXX here -- not a lot -- but I'm not paying fraudulent charges, nor should I have to be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
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 the date of XX/XX/2022, a purchase for a total of {$840.00} was made on the website XXXX. The merchant contacted me to let me know the item I purchased was out of stock but never provided a refund. After days of waiting, a case was filed on XX/XX/2022 with Citibank for no merchandise being received. Citibank investigated and claims that the merchant shipped out the merchandise however they can not provide proof that this is the case. No tracking number has been provided to me or Citibank. Now Citibank claims the can not investigate any further, even though I have sent proof of my order status never having been updated to shipped and order still being processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is my XXXX time complaining again in cfpb for my citi bank closed account full fund not received. Suddenly citi bank closed my account without letting me know the reason and giving me my fund. They XXXX me a lot with my money. After claiming in cfpd first XXXX times, they gave me half potion of my money. I had XXXX on my account but they only gave me XXXX but rest XXXX they never gave it back to me. Everytime i call them they never gave me correct information and everytime i call them they make me wait XXXX hours and hang up on me. Last time I claimed at cfpd, citi bank contact me and told me they think XXXX} doesn't belongs to me and they will give that money to XXXX. I have tried to contact XXXX so many times, the informed me they never received any money from the citi bank. Those money I got it from unemployment in XXXX time. All I want my full money back from citi bank, which is XXXX. I have started XXXX college and I'm paying out of pocket XXXX for my college. I didn't get any fedaral help or scholarship. I really need to get my money back from citi bank. They need to tell me where is my XXXX because they never gave me right information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
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 purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned two of these shirts in XXXX. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were isued to XXXX. XXXX forwarded the credits to XXXX XXXX XXXX XXXX. The account number used by XXXX was one that had been replaced with a new credit card number due to a breach on the original credit card number. XXXX XXXXXXXX assured me that the credits sent to the old account number would have transferred to the new number. I have opened XXXXwo separate disputes on these payments with XXXX XXXX XXXX XXXXXXXX and both have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX did give the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to XXXX XXXXXXXX. I provider XXXX XXXX with the XXXX account statement showing the credits had been sent to them. I have not yet received the 2nd denial for {$30.00}. I can get it from their website but am soon to be 'timed out '. XXXX says the problem is with XXXX. XXXX says the problem is with XXXX
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: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I visited my local Citibank branch to inquire about the discontinuation of my XXXX recurring monthly transfer from Citi to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had always been able to see my scheduled transfers online and they no longer appeared. The branch representative could not explain where tranfers could be reviewed or why the transfer was stopped. She insisted the transfer was initiated by XXXX not Citi which I knew made no sense but I left and called XXXX who confirmed they did not and never could initiate such a transfer. On the XXXX, I called Citi technical support. The first representative said she knew there was an issue but did not explain it and the connection was so XXXX I had no idea what she was saying. After multiple requests for her to speak slowly and clearly we were disconnected. I called back and another representative explained that Citi recently switched to a new platform " XXXX '' and as a result all previously scheduled transfers were discontinued. Apparently this was explained in a letter posted online in XXXX but it was absolutely not clear to me that my funds transfer schedule would not only be disrupted but it would be permanently discontinued!! Further, I would no longer be able to establish a recurring transfer to XXXX because they do not have the XXXX platform. It is unacceptable to bury an unclear notification in a mobile app, not send a separate email and/or a physical letter, and not clearly communicate that the transfer would not occur the following month clearly enough for the customer to ensure necessary action was taken. It is more outrageous that the in branch rep did not know what the issue was and that it took multiple calls to find an actionable response. I spent half a day dealing with this. Citi did not properly inform its customers or staff or understand the implications of their platform change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I used to have a Citibank Sears XXXX ending in XXXX which was lost in XXXX and police report was filed. I haven't used the card since XXXX and I don't owe anything to the citibank, still Citibank is harassing me and constantly sending me harassing letters from the collections agency XXXX XXXX XXXX XXXX Police report is attached and CFPB can see the police report. Recently XXXX XXXX XXXXXXXX XXXX did file a money XXXX against me in the amount of {$6000.00}, when I didn't use the card then why should I pay for this XXXX. Citibank has ruined my credit and because of the judgment I can not apply for any loans or credit cards. Citibank is using unfair and fraud means to collect money from people, I will advice everyone not to use Citibank XXXX and do not do any business with this company. This is a total unethical company and shouldn't be doing any kind of business in California or any other state of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday, XX/XX/2023, I made a deposit of {$10000.00} into my Citibank account. I also activated a new debit card. When I attempted to purchase something online, my card was declined. I then received a fraud alert via text, asking me to call. I called, identified myself, verified that it was I who attempted the charges, but was then told my account would remain under review and be inaccessible to me for XXXX hours. No one at Citibank will tell me why. I XXXX or XXXX not hear from someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A