Date Received: 2022-12-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I had a CD that matured and it was rolled into a savings account. The account was marked as " inactive '' and my funds frozen. I mailed Citibank the required information to unfreeze my funds and contacted them on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I was told that it would take 2 business days to get a response from the " back office '' and they would call me back. I have never been called back. The funds are not in dispute nor that they are mine. I need to receive the funds and close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citibank runs promotional offers where you open an account and gets up to {$2000.00} bonus after terms were met. I opened an account using their promotional offer page on XX/XX/XXXX and deposited {$32000.00} to earn {$500.00} bonus. According to the terms of the offer, I had 20 days to deposit fund and 60 days to maintain the fund. Then after within 30 days, I receive the bonus in my account. I met all conditions by XX/XX/XXXX and I still dont have my bonus. It should have been deposited the latest by XX/XX/XXXX per the terms. I called Citibank customer service on XXXX XXXX since I didnt see {$500.00} bonus hit my account. The agent I talked to confirmed I met all conditions and should have the bonus deposited by then. He created an investigation ticket and told me to wait 5 business days. I didnt of course receive my bonus after 5 business days. So I called for follow up and other agent looked into it and told me it could take 7 business days and to wait. Of course I didnt get the bonus after 7 business days either. I called for follow up again and talked to supervisor. Again, no updates other than its processing and could take 10 business days. I have followed up 7 times and other than different answers on how long investigation takes, no help at all. Its been 3 weeks since I originally contacted Citibank about the promotional bonus that was already overdue at the time and still they have no answer. I have spent at least 7 hours on calls talking to different agents in the past 3 weeks and no help from anyone other than just it is in progress. I lost opportunity to invest the money I had deposited with Citibank because of them not meeting the terms. I finally took out my money on XX/XX/XXXX after confirming with agent that the bonus wont be impacted since I had already met all the conditions. I suspect this is a system bug and has happened to many customers of Citibank. Unfortunately bank isnt addressing the issue in timely manner and causing financial distress for the customers. Their customer service is in XXXX and does not understand criticality of the issue or have any power to make decisions. Citibank does not have anyone I can talk to here in the US for this issue either. It has been so frustrating and time consuming. I think Citibank needs to be investigated for bad business practice like this where they run promotional offers but not follow through. I am attaching similar offer with this complaint Citibank is running right now too. Mine was exactly like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I, XXXX XXXX, opened a new citi bank account on XX/XX/22. I then proceeded to deposit XXXX by a check from my joint account with my husband at XXXX bank account on XX/XX/22. After depositing the money into the citi account, I was informed that Citi closed my account due to suspicious fraudulent activities even though there was no other activity on the account. The Citi account was closed, but Citi still has not returned my {$76000.00}. I called Citibank several times but no one is willing to verify the facts and return my money. Please tell Citi to give me the money back and reimburse me for the loss of interest.
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: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Sometime in XXXX I was sent a letter from my bank which is Citi, that theyll be closing my account but the account has not been closed BUT they keep receiving my direct deposits, so I want the account closed and for them to GIVE ME MONEY THAT REMAINING in my account. First I talked to a representative on the phone and hes telling me I have to wait 30-60 days for my money for XXXX know what reason, they dont want to give me a reason. So I went into the branch they CLERK WOULD NOT EXPLAIN TO ME WHY THEY WONT GOVE ME MY MONEY THAT WORKED FOR, I have bills to pay they cant just keep my money & I can wait 60 days that ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX has left a fraudulent Hard Inquiry on my personal file from Citibank XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted Citibank and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened an account with CITIBANK back in XXXX, the bank froze deposit and won't help. I get a different story each time i call. They have been sending me on a goose chase to all the other banks and it's sad. I just need my money that I deposited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79605
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I cancelled my Citibank/XXXX XXXX XXXX credit card XXXX XX/XX/2022. In XX/XX/2022 Citibank verified that my account was closed. XX/XX/2022 Citibank charged my old checking account which had been closed and the charge was rejected by my bank. Apparently Citibank had paid my XXXX membership in XXXX, three months after the account was closed. I kept getting no-reply e-mails from Citibank billing XXXX for {$180.00} XXXX membership XXXX I could not pay Citibank the money because there was no contact information in these e-mails and my log-in had been cancelled. I called Citibank customer service several times and each time was told my account had been cancelled and to disregard those e-mails - I owe nothing. Then Citibank 's aggressive debt collectors started calling me and I paid them the {$180.00}. Then an overly aggressive Citibank agent called me and said I owed an additional {$170.00} in late fees and interest. As I am in my late eighties and as the stress was getting to me I paid the additional {$170.00}. Afterwards, I wrote a letter to XXXX XXXX, CEO of Citigroup Inc . I received a telephone reply from the " Citi XXXX XXXX XXXX '' during which the lady I spoke to maintained that " You should have made more attempts to pay your membership ''. When I asked what more could I have done she said I could have called the number on my Visa card - I said I did more then once and they always said I don't owe anything. She maintained I should have tried harder. The interest and late fees I was charged and paid ( {$350.00} ) amounted to 94 % of my XXXX membership ( {$180.00} membership plus {$170.00} fees and interest ). 94 % for six months equals 188 % interest and late fees annualized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for Citi AAdvantage card as a part of buying an XXXX XXXX XXXX. it promised instantaneous response. After completing all the info, the web site came back and said there is an unknown error and it closed the session. I called Citi, got their rep in XXXX and instantly, he approved me ( so there were no problem with the info or questoins ). There were no issues or questions. I was promised {$120.00} credit for the booking as well as XXXX miles and free luggage checkin. The citi rep told me to all XXXX XXXX and they would give me all these benefits. After 4 hours on the phone with XXXX, they said they could not do anything until the card arrives. I called Citi again, after being passed from agent to agent and refusing to provide any name or ID or supervisor coming to the phone to help, I got hang up on several times. I asked for expedited delivery ( over night ). They said they could not do that. one said it is too late. The other agent repeated the flash card and said you can requesting some where on line. When I asked where? no answer. This is false advertisement. I am not gone be able to use any of benefit promised and have to wait XXXX business days now. If that works. This is phishing for new customers and making it impossible for the consumer to take advantage of promised benefits. In addition, I am stuck with a hit to my credit report and a card that is offering 26 % interest!. I tried to file a complaint with Citi and good luck. There is no email that I could find. the phone numbers make it impossible for one to talk to any one w/o the actual card which I do not have. The only live person I could talk to in Citi where in XXXX and could not understand what they say or they keep repeating a flash card and saying no all the time! These are preditory practices by Citi and deceptive practice at-least. Do you think you are saving money by out sourcing your CS to XXXX? check with other firms, these agents are not trained and do not know much. They just pass the buck from one agent to other and do not solve any problems. They are rude and hang up on you and act as if I owe them something. What a shame! a corp such as Citi whom received tax payer money is treating the public as such! Can you provide comp for what I was promised both in terms of luggage and points? I paid {$50.00} to XXXX to ship my luggage now. I have paid {$75.00} in Lyft charges to go to the airport to resolve this issue to no success. Over two days on my XXXX XXXX! very tiring.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Received a check XX/XX/22 for XX/XX/22 I deposited XX/XX/22. Account was blocked for fraud the next day I called them and told them I got the check from my employer and we are on vacation for the next 10 days thats why I received it early. I deposited it early thinking it will still take 7 days to post. I called XX/XX/22 and speaked to someone and that person said my account will be closed and the remains balance will be sent in a check. I told them I had prove of previous pay stubs that this employer is legit and the check is legit. I honestly shouldve waited to deposit the check but closing my account please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had made a payment online on My Bestbuy Citibank card on XX/XX/XXXX in the amount of XXXX. I checked online my balance on XX/XX/XXXX an noticed that my current balance was {$4100.00} and my available balance was {$800.00}. My credit limit is {$9300.00}. I called Citibank card and the supervisor was so rude and he said that my bank was holding payment. I told him he was lying because the payment was posted on my account on XX/XX/2022 They have denied a transaction, which is embarrassed. I have proof of the transaction showing the payment was posted on my bank account and the email I had received from the other company that my transaction from XXXX was declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A