Date Received: 2022-12-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX Unknown person caused Citibank to wire {$500000.00} from my Insured Money Market Account payable to one XXXX XXXX. On same date I made face to face contact with my local Citibank Manager who filed a claim for fraudulent wire transfer. Citibank in a letter dated XX/XX/XXXX denied my fraud claim. Instead of blaming the wrongful transfer on their own lack of robust cybersecurity and protection protocols, Citibank asserted that customer must have provided account information or authorization for transaction which turned out to be a scam. I have provided an affidavit of Unauthorized Online Wire Transfer to Citibank and a letter stating categorically that 1. i did not provide my banking information to anyone 2 I have no knowledge, participation or benefit in any such scam As of today XX/XX/XXXX Citibank has not refunded my money {$50000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is a credit card on my credit sesame account saying it is thru CITI and I don't have a credit card at all and never have when I called them about it they told me said there is no credit card in my name or with my social security number but it is on my credit and has been for years. It was paid off then I got a update that a new authorized uses was added and a new amount was set and now it is back on my report
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: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citibank advertises this offer open online checking account. It is still on their website. OPEN NEW ACCOUNT Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. FUND YOUR ACCOUNT Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus. MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the 21st day. The cash bonus will be deposited to your open, eligible checking account within 30 calendar days after you complete all required activities. 1. I opened account on XX/XX/XXXX and deposited XXXX XXXX. I maintained balance for 21 days + 60 days which is XX/XX/XXXX XXXX. The cash bonus was to be deposited in my account on XX/XX/XXXX which is 30 days AFTER I satisfied all the conditions on XX/XX/XXXX. I learnt their INTERNAL documentation says 90 DAYS after satisfaction of conditions the bonus to be deposited. THIS IS MISLEADING ADVERTISING TO CONSUMERS. I have STILL not received it on XX/XX/XXXX after contacting and complaining to them several times. I've attached a chat log to this complaint as well. I am told I will get it by XX/XX/XXXX which is NOT what their OFFER says.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX XXXX XXXX I opened a Citibank checking account with a credit card/debit card. I received notification of the promotion through the Citibank App. The promotion was for me to deposit {$10000.00} and utilize my credit/debit card a min of 3 times for at least {$500.00} in a 3 month period. For those transactions, I would receive XXXX XXXX XXXX XXXX points. I have never received these points. I have tried on numerous occasions to contact Citibank whereby they transfer me to multiple departments who in my last conversation sent me to XXXX XXXX who also was unable to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: According to my credit card statements, I have been retroactively charged a higher interest rate on old balances. My old balances should only be charged the interest rate which was being used at the time the purchases were made. A 2009 law specifically bans retroactive rate increases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Several weeks ago, I learned that Citibank locks some customers out of their accounts and refuses to release their money even if they show up with an ID. Citibank has procedures that will lock you out of all your accounts without consultation and will bar you from regaining access to your funds for 30-60 days, even if you show up in person with ID. My first notice wasn't a text or email alerting me to fraud. It was an email announcing that my account that I just opened and never used user than for depositing checks was blocked, immediately, and would automatically close, XXXX had no access to the {$2100.00} that had accumulated in my Citi Account. I phoned every number possible and all I get is Non-US based customer service representatives that I can hardly understand. They tell me the account was referred for closure on XX/XX/2022 and that it would take 30-60 days to conclude review. When I opened the account I transferred over {$100.00} then I deposited checks on XXXX ( {$800.00} ) and XXXX ( {$1200.00} ). Citibank took credit from these checks and I verified with issuing banks. This is a predatory business practice. Especially for people who live check to check. I am behind on rent because I can't access my {$2100.00} from that Citibank account. I never even used the card for any transactions so I don't understand how I could've even violated any terms. We are sitting on day 46 out of their apparent " XXXX '' day max review period and I haven't received a single answer from bank in regards to my questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: Went to Citi Bank in XXXX XXXX with wife and {$500000.00}. dollar cashiers check from XXXX XXXX XXXX. Wanted to open two {$250000.00}. XXXX 's, After waiting for 45 minutes for paperwork it turns out they can not take one cashiers check to fund both accounts!!!!!! Next day got two {$250000.00} dollars cashiers from XXXX XXXX XXXX and again they would not take checks because they were both in my name and they couldn't except my check to open my wife 's account. I am a senior citizen with years of banking and never heard of the above! I We were the only white people in the bank on both visits and maybe XXXX profiling! Went across the street to XXXX XXXX and they took our money for both accounts and gave us a better rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXXXXXX XXXX XXXXXXXX XXXX. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. Citi Bank. I have not received any letters from any Debt collector in regards to Citi Bank in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditor. Citi Bank. I feel that XXXXXXXX XXXX XXXX is making up numbers to get more money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I submitted a CFPB complaint ( XXXX ) due to not receiving a promotional offer from CitiBank. As per the company 's response, CitiBank promised to provide a statement credit of {$300.00} within XXXX business days. I did not receive the credit after XXXX business days so I contacted CitiBank via email, who responded saying it would take them XXXX days to even investigate and respond to my inquiry. I was unable to contact them via the phone number they provided. The case should not have been closed until after I received the promised resolution. The company did not do what they said they would in their response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80110
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: From XXXX through XXXX, I was travelling abroad ( XXXX and XXXX ) for the first time in many years. While I was travelling, I used the Citi Thank You Rewards credit card to pay for transactions, unaware that usage of the card would trigger foreign transaction fees of 3 %. While on my trip, I used the Citi Mobile App to track my transactions. I was careful to review the exchange rates and any potential additional fees associated with those transactions. During my 10 days abroad, none of the transactions I reviewed in the Citi Mobile App appeared to be subject to foreign transaction fees. There were no foreign transaction fee line items nor any language in the app about the potential for foreign transaction fees. It was not until my billing cycle had closed and a billing statement generated that I saw one large line item for foreign transaction fees at the bottom of the billing statement. Had I seen those fees in real-time on the app, I would have stopped using my card immediately and instead used cash or a different credit card. It is a deceptive practice of Citi to not post fees in a timely manner to customers ' accounts. I have had the Citi Thank You Rewards card for many years, and it is unreasonable to expect that I would remember all the terms and conditions of the card, especially in the case of foreign transaction fees, because I do not travel abroad often ( in fact my last trip abroad was over 5 years ago ). I called Citi on XX/XX/, spoke with a service rep and a supervisor, and discussed my concerns and they refused to waive the fees despite the fact that I have been a loyal customer, have always paid my bills on time and have excellent credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A