Date Received: 2023-01-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I am filing this complaint because Citibank failed to deposit a {$700.00} Cash Bonus into my account which I qualified for within 90 days from the end of the month in which I completed all the promotional offer requirements : 1/ New Business checking account ( streamlined ) was opened on XX/XX/XXXX after completing the required documents with XXXX, Citi Vice President/Business Account Manager at a local Citibank branch. 2/ Met the {$25000.00} qualifying balance level during the initial 30 calendar day funding period on XX/XX/XXXX with " XXXX '' funds deposits. 3/ Consecutively maintained that balance until XX/XX/XXXX, exceeding the 60-day maintenance period requirement ending on XX/XX/XXXX. I have contacted Citi small business support to inquire about the Bonus, issue was escalated under Claim XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was asked to wait 5 business days to get a response. Did not hear back from support so I called again on XX/XX/XXXX and was informed by A ... ... .that a " code '' was needed. I told the Rep that a code wasn't required as it was not stipulated in the offer XXXX & XXXX. Rep instructed me to contact my local Branch Manager T ... P ... which I did, but that e-mail remains unanswered. I have once again reviewed all the documents including the business account application and there is absolutely nothing supporting the Citibank representative 's claim that a promo code was required to get the Bonus such as : " Bonus code is XYZ '', " Activate bonus code XYZ '', " Must provide bonus offer code XYZ to a banker '',... Not sure if I'm dealing with incompetence or if Citibank engages in deceptive practices but the issue hasn't been resolved and thought it was time for me to file a formal complaint with CFPB. I have included the promotional offer XXXX & XXXX that was attached ( XXXX XXXX XXXX ) in one of the e-mails sent to me by the Business Account Manager on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Opened a Citibank basic checking account on XX/XX/XXXX, online. When opening this account I funded this account with {$15000.00} from my XXXX account. The funds cleared my XXXX account on XX/XX/XXXX. I then received my debit card and registered this on XX/XX/XXXX. At that time ( on XX/XX/XXXX ) I requested an additional {$10000.00} to be transferred from my XXXX account to Citibank, the same bank that had previously {$15000.00} clear with no issues. The transfer cleared my XXXX account, with my legal name on XX/XX/XXXX. Starting on XX/XX/XXXX, I was unable to login to my Citibank account and called ( XXXX ) both on XX/XX/XXXX and XX/XX/XXXX in order to resolve this issues. I was told the {$10000.00} was flagged for " fraudelent '' activity, even though this came from the same bank account my original funds came from ( with no issues ). As of XX/XX/XXXX I was told my account was closed and it would take 30-60 days for those funds to be mailed to me via check. Subsequent to that phone call I received a text alert ( even though I could not login to my online checking ) that the {$10000.00} cleared on Citibank with no issues ( on XX/XX/XXXX ). This is an un-acceptable time frame for me to without this large sum of funds. I except a resolution ( checked mailed or funds returned via ACH ) in a timely manner ( less than 15 days ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65810
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX. I got a call from a Citibank person stating that my bank acct had been hacked and was compromised and I got scammed when they access into my online banking and register for XXXX- they made 2 unauthorized transfers from my checking account - the amount of XXXX And another XXXX The bank begin an investigation and didnt applied the provisional credit or response on 5 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for XXXX, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. I am requesting for the following accounts to be blocked and removed immediately due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX of XXXX I contacted the card issuer citibank to close a credit card. I spoke to an individual who informed me to pay off the remaining balance and close the account. I paid off the remaining balance and the account was closed. After paying off the remaining balance and closing the account citibank posted additional interest and late fee charges to the account. As the account was closed and was no longer being accessed additional late fees were charged on the late fees and interest was charged on the late fees and interest. On XX/XX/XXXX I spoke to representatives from citibank who refused to waive the charges. I was lied to and deceived by the initial representative from the bank. This is highly predator behavior to close an account and then proceed to charge the individual late fees and interest on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent purchases were made on my Home Depot credit card account. Citibank , N.A . is the issuer of this card. I provided my signature to them to prove that the signatures that appear on the store sales drafts do not match the signatures of the authorized users of the card. Citibank is maintaining that I am still responsible for the payment. They have reported adverse information on my credit report and suspended my credit privledges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I wanted to alert you, the CFPB, to a potential UDAP violation by Citi Bank in regards to their Best Buy Card. When purchasing a new laptop from Best Buy, I was marketed their " buy now, pay later '' offering through their Citi Bank XXXX XXXX. It was marketed as " XXXX XXXX '' over 12 months, which I thought meant the total purchase would be paid over 12 months without interest. After purchasing I went to setup automatic payments, which default at the minimum payment for the card. Later realizing these automatic payments wouldn't pay off the full purchase over 12 months, and at the end of 12 months I would get hit with sudden interest charges and potentially deferred interest. Things that are marketed as buy now, pay later with XXXX interest should steer the customer to pay off the full principal over XXXX even payments without interest. I found this to be deceptive and recommend further investigation and a potential XXXX and or fine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 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: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wired all my money on XX/XX/23 to another bank in order to close my account and wire is still pending more than 48 hours later. I called citibank multiple times trying to resolve the issue and didn't get anywhere with them, they keep saying I have to wait, is this legal to hold my money this long?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In XXXXXXXX XXXX XXXX, I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX to purchase 1 tire and was sold 4 new tires. Agent said that they had a promotion going with GOODYEARska ( Citibank ). If you purchase 4 tires you get them interest free for 6 months. They ran my credit and qualified me for the Goodyear credit card. After about 4 months I went back to XXXX XXXX XXXX To let them know that I have not received a bill statement for my card its been 4 months. Ive never recieved the credit card or a email, mailing or phone call from Goodyear or Citibank. In XX/XX/2022 great rivers tires put me in contact with goodyear but by then I had incurred late fees over the limit fees on the account. Each time I call Goodyear XXXX XXXXXXXX to attempt to make a payment they refuse to take my payment. They hang up on me, I have to keep calling back! the phone calls last for 2 hours while They pass me all around to varies departments. They claim that they can not verify who I am because I dont know my account number. I dont know my account number because they didnt mail me the card or a statement. I gave goodyear my phone number address etc and they continue to say that hey can not verify me therefore they can not accept any payments from me. This is the most ridiculous thing i have ever heard from a credit card company! In the meantime they are reporting my account as late destroying my credit. My complaint is that Goodyesr ( Citibank ) keeps reporting my account as late to the 3 major credit bureaus yet they are to blame because They are refusing to take my payment, this is negligence on thier part. They are reporting my account as late yet they refuse to take a payment. They claim that they can not verify who I am. They say that I must wait for a letter from Citibank. After they get me verified then I can start making payments. They claim that they can not verify my identity yet they seem to know how to use my information to report my account as late each month. This is insane, please I help, I eed intervention..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 528XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A