Date Received: 2022-12-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, I hope you're doing well. I'm writing a new complaint because, I didn't receive the necessary documentation from Citibank to prove they could close my account for a payment that was returned on XXXX XXXX of {$590.00}. I paid the payment on XX/XX/2022 by debt card as soon as I realized the payment didn't go through. My credit card payment is due on the XXXX of every month. I have even paid over the minimum payment. My account shouldn't be closed. I requested a copy of the card issuer agreement. They refused to send me the card issuer agreement to back up their claims that Citibank has the right to close my account due to a one time issuance of a non sufficient payment. I paid the card on XX/XX/2022. This was two days later. I don't have a 30 late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: They close my account and never send me the check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear officers in charge of this matter : I am here to report a potential fraud committed by CITI Bank by luring people to open account for bonus then decline what they have been offering. What happened with CITI : 1. I saw their sign-up bonus offers on their website, quote : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the XXXX day to unlock your bonus. 2. I deposited {$300000.00} ( $ XXXX on XX/XX/XXXX and $ XXXX on XX/XX/XXXX ) and kept the money there until now aiming to get that {$2000.00} bonus in XXXX XXXX. 3. XX/XX/XXXX, their customer service declined my bonus even though I followed exactly what they required in their terms and conditions on their website. ( see details from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Communications with CITI Bank Customer Service : 1 XXXX First week of XX/XX/XXXX, confirmed with their online-chat representative that I was successfully enrolled to earn the bonus. I thought I could rest assured until XXXX payday. 2. XX/XX/XXXX, called 2 different customer support regarding the bonus payday and both said I was not enrolled. Same day, I also chatted with 2 online representatives and they kicked me around and said there is nothing they can help. 3. Their customer supports people are not based in United States and they DO NOT even know this bonus offer is still on their website!! They kept asking me to provide an Email invitation code to get the bonus but the offer on website stated very clearly that all I needed to do was to APPLY online! 4. Citi customer support said I will receive an email about this dispute yet NO email was sent at all! For now, I need to get a confirmation email from Citi Bank and confirm which day I would be paid that {$2000.00} bonus for keeping {$300000.00} for so long. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Citi Bank did not apply the 24 Month Interest Free Promotion on my XX/XX/XXXX, XX/XX/XXXX combined contract purchase of {$4400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XXXX XXXX I clicked on the " XXXX '' in my XXXX list. I got a message on my screen that stated " possible fraud '' call XXXX. Over the XXXX years that I had my Citibank accounts have seen that pop-up message XXXX times. I called the number and the call was answered and stated " Citibank Security, XXXX ''. XXXX stated that he needed to check my accounts due to the possible fraud. Naturally, I thought I was talking to the real Citibank Security and I gave him my access code to my accounts. After XXXX days, I realized something was wrong. By then the damage was done. My Savings account of {$300000.00} was stolen. I called the real Citibank to report the issue. The Citibank Fraud Department worked the issue. On XXXX XXXX I started receiving letters from the Citibank Fraud Department stating my claims to get my money back were denied. As of this date, XXXX XXXX, they are still denying my claims. I talked to a Lawer and was given the info for CFPB. The Lawer also stated that Citibank had to have Security issues that caused the fraudulent phone to be displayed when I clicked on the XXXX web site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my account was overdrawn due to mobile deposit being returned less than 24 hours my account was blocked no reason was given however I called and explained I had no idea the payment would bounce since I was not the check issuer however I was told on XX/XX/XXXX my account was closed and blocked from depositing or any use of app or debit fast forward on XX/XX/XXXX my direct deposit which was more than the amount I was overdrawn was rejected only letter to be forced deposited words used by the bank on XX/XX/XXXX with the bank keeping not only the overdrawn amount which would have made my account positive but also my remaining balance they have since recanted that the account is closed its actually still open and I request it to be closed immediately to prevent any further charges or use on the account theyve refused while also denying me use of the account or my funds there in while telling me bank takes 30-60 to close and issue a check of available funds however this bank has chosen to wait 60 days and hold on to my government funded benefits with no letter of intent nor and authorization from me they have held my money hostage and have an account open in my name after I demanded it be closed I have no itemized list of where my money is or what Im being charged without access they since took additional money from the account and I have no idea what they are charging to this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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: XX/XX/XXXX received billing statement with unauthorized transactions made in California using my Macys credit card. I live in NJ, and have not travelled to California. Same day XX/XX/XXXX I called Macys customer service and reported a stolen card and fraudulent transactions. Was told that fraud department will be contacting me in 10-14 business days. XX/XX/XXXX received a letter in the mail confirming that fraud claim was received and an investigation will be performed. XX/XX/XXXX I received a letter in the mail stated that Macys fraud department has completed the investigation, and determined that I am responsible for the charges. XX/XX/XXXX I called Macys customer service and was transferred to the another Department at ( XXXX ) XXXX, then to XXXX. I again reported the identity theft, put the transactions on dispute asking to review and reconsider. Ref # XXXX. I went to the police and made a report for the stolen identity. Incident # XXXX. Put a freeze on the credit cards. XX/XX/XXXX received a letter in the mail stating that investigation is complete and I am responsible for the charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Both of my parents died in XXXX. They were Citibank customers for decades and had XXXX checking accounts and a savings account at the time of their deaths. I called the bank and was forwarded to the estates department where I was told what papers to submit to be able to close the accounts and collect the remaining funds. Closing the checking accounts was not an issue but, 4 months after submitting my paperwork, the savings account is still open and I havent been able to collect the money held in it. I sent the first package containing the death certificates, proof of executorship, etc. in XXXX ( XXXX ) via certified mail. It was received on XX/XX/XXXX and I have the return receipt to prove it. After hearing nothing for XXXX weeks, I called and was told the packet was lost and Id have to submit it again. The second time I faxed it and was told the information had been entered into the system by XX/XX/XXXX and it would take XXXX weeks to receive a check. Its been almost XXXX weeks and no check has arrived. This is maddening! I have no complaint against the representatives who answer the phone. The problem is structural. The phone reps are polite but powerless to do anything. They keep saying the back office is behind and they dont know when the check will be written. Asking to speak to a supervisor or someone from the back office gets me nowhere. Apparently, they dont talk directly to the public.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made an overpayment to my Citi card ending with XXXX on XX/XX/XXXX, so I contacted Citi on XX/XX/XXXX to request a refund for this overpayment via ACH to my checking account on file with Citi. I was told it would take 3-5 business days to process it. I did not get it so I contacted Citi again on XX/XX/XXXX, and I was told the refund would be initiated on XX/XX/XXXX, and I need to wait another 3 business days. I have done this ACH refund before and I know it usually won't take that long. I checked with Citi on XX/XX/XXXX, and I was told to wait for 3 business days. So I checked my checking account on XX/XX/XXXX, I still did not get the refund. I contacted citi again, and I was assured that I would get it on XX/XX/XXXX XXXX. On XX/XX/XXXX, i do not get the refund. I contacted Citi and I spoke with a supervisor about this issue. I was told that the refund request is still under review before it could be processed. I asked how long it would take for the review to be completed, but I was never given any definite information. On XX/XX/XXXX, I was told that Citi declined my request to refund my overpayment. I do not understand why Citi would not refund my overpayment since this is my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted a compliant today regarding the closing of my Citibank XXXX XXXX XXXX card. I found the service agreement. It doesn't state you could close my account based on the reason provided. I will get an attorney and sue your company if my account isn't opened back up. This isn't fair. I will continue to fight this until my account is reinstated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A