Date Received: 2024-01-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, we applied for the Citi XXXX XXXX XXXX XXXX XXXX ( it was then approved XX/XX/XXXX and shipped on XX/XX/XXXX ). At the time of our application, the offer on Citi 's website ( which we clicked through ) was that they would award XXXX bonus miles after meeting {$4000.00} of spending in XXXX months. I have attached photos of that page which do not have our name on it because we went directly to the Citi website to review/compare before applying. We indeed spent {$4500.00} within XXXX months, exceeding the minimum requirement and qualifying for the bonus, which was then never received. We have reached out to Citi twice by phone and twice by email. In all of our outreach to Citi, we keep being told that we were not registered for a XXXX bonus and that instead, our account shows an offer of XXXX miles after {$5000.00} of spending in XXXX months, of which we were a couple XXXX dollars short of. This, however, is not what we applied for, nor is it listed on ANY documentation, was not listed in my account, we received NO email about this offer, and it is not provided ANYWHERE in our terms and conditions paperwork. Therefore, the only offer we were aware of was the one that we clicked on their website for : XXXX bonus miles after {$4000.00} in XXXX months. If there was something that changed or occurred behind the scenes on their website or system, we had no control nor no knowledge of it. We are extremely detailed and watched our spending very carefully every XXXX XXXX XXXX to ensure we met the {$4000.00} requirement. I also poured over all of our documentation, emails, online account, etc. to make sure I didn't personally miss something that notified us differently. We keep coming to the same conclusion : we met the XXXX bonus offer requirements and were never informed differently until we " didn't meet it. '' After multiple conversations with Citi, I have yet to receive any proof that Citi informed us of the requirement to spend {$5000.00} which therefore appears to be a " bait and switch '' approach to avoid honoring the bonus we expected of XXXX. To be clear, I am not requesting the XXXX bonus miles be honored. I am requesting that they simply honor what we applied for : XXXX after {$4000.00} in XXXX months. I called Citi in XXXX, XXXX as well as XX/XX/XXXX. I also emailed them on XX/XX/XXXX based on the suggestion of the rep I spoke to on the phone. Citi replied with the attached letters on XX/XX/XXXX and XX/XX/XXXX. The letter dated XX/XX/XXXX says that they can not apply a generic offer to an account as they need to be listed in my name and email address, however we applied ONLINE for this card based on a generic online offer, so the letter does not make sense or align with their supposed business practices. While I have provided them backup showing the offer that we clicked through online, I am still awaiting proof that Citi XXXX notified US of the offer that they are stating applied at the time of my application. So far, they have not provided me any documentation to show that we should have known of an offer of XXXX after {$5000.00} in XXXX months ( which is a different offer than the one that I clicked through online ). The fact that we were unaware that the offer they are stating " posted '' to our account is supposedly different than what we applied for continues to show deceptive marketing and misleading and unfair business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
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 have tried to receive a refund regarding a purchase for {$20.00} on XX/XX/2023 that was not delivered by XXXX XXXX. I tried multiple times by chat and by phone to be refunded by XXXX XXXX and was told the order was not eligible for a refund. I then started a dispute with Citibank. XXXX responded by sending Citi a copy of my receipt and no proof they delivered what was ordered. Citi now says Im responsible for the charge and to contact XXXX for a refund. I have photo and video proof that what I ordered was not delivered by XXXX driver. I also have copies of correspondence with Citi. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62704
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: With reference to the response to complaint # XXXX. Not sure where to start, with such an uneducated response, but in an effort to help those involved, I will break down each of the paragraphs to expose the errors and correct. Paragraph 1 ) I did not at any time place an inquiry, but I did file a complaint for improper reporting. Paragraph 2 & 3 ) In reference to accounts ending in XXXX & XXXX, with balances of XXXX & XXXX. You state that their not under review for 1099 - c, that nonsensical no such thing as review, its either over the required {$600.00} or not. Please read IRS Publication 4681. If you do not perform I will be contacting the IRS. Paragraph 4 ) You can put what ever you want in your terms and conditions, that's your right, but it does NOT supersede the purview of the FCRA or any other laws pertaining to reporting my non-public information. In fact I can opt any and all non-public information I choose to per the FCRA 15 USC 6802. I may also opt, per the privacy act of 1974, per 5 US Code 552a. To close on this paragraph, although you supplied a privacy notice with which you can report to the bureaus, I have the right to opt out from that notice, that you neglected to provide. To be clear I have opted out. Paragraph 5 ) I thank you for this paragraph, as it shows your purposeful neglect in performing your duties, you mention your findings, what findings I didn't receive any notarized findings. Paragraph 6 ) You are under no obligation to report anything, I did not give you permission to report anything to the credit bureaus, and still don't. Paragraph 7 ) I'm not making a request, to be clear its a demand, for you to perform with a little integrity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Citi/Costco emailed me a promo saying I have charges that were Costco purchases that were eligible for XXXX fee and 0 % int rate. This is for any charges above {$75.00}. However, when I clicked on the link to sign up for this offer they slam a monthly fee which is not supposed to be charged as per their ad. I called their XXXXXXXX XXXX XXXX spoke to a friendly lady who reviewed the offer and said it was for charges made at Costco only and not for purchases made on that card elsewhere. I said I knew that and I was going by what they had specifically advertised and specifically they had highlighted the charges on my bill that were supposedly eligible. However, they are not in actuality... They are clearly misleading. She said she would bubble this up but asked me again to go back and ensure that I was selecting charges that were Costco purchases. I tried it again and it is the same - no change..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dont owe money on this card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citibank Business Streamlined Checking Account on XXXX XXXX in XXXX XXXX, XXXX XXXX. I planned to open this account after seeing account opening bonus online which stated to go in branch for account opening. I visited the branch and banker was successfully able to open my account with the promotional account opening bonus. Promotion stated to deposit at least {$20000.00} to get {$750.00} bonus within a certain timeframe ( attached image ). I met the requirements long time back last year but haven't yet got my bonus. After talking to them they are denying having any such promo as well. Hence attaching screenshot for the same as well but I haven't yet got the bonus. Besides I also met requirement for an additional {$100.00} bonus in my account after meeting direct deposit criteria and also a {$100.00} referral bonus but I haven't got them as well Total I am supposed to get $ XXXX $ XXXX $ XXXX {$950.00} Hence I request you to kindly help me reach out to them so they can look into this at priority. Thanks for help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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 have been trying to resolve a matter with Citibank Visa, since XX/XX/XXXX. A refund yo XXXX XXXX XXXX XXXX in the amount of {$980.00}, from Citibank was due in XXXX of XXXX. I was told by Citibank that it was done. XXXX XXXX has not received as of today, XX/XX/XXXX. I had to pay the refund in XXXX of XXXX to XXXX XXXX I needed to renew my license and couldnt with an outstanding balance. Citibank has given me numerous transaction numbers and XXXX numbers to provide to XXXX XXXX to prove they refunded the money. They have all proved to be bogus numbers. I have spent countless hours on the phone with Citibank in the last 7 months. I have spoke with the recovery team supervisors many times, only told it was being reviewed to find out why XXXX XXXX hasnt received the refund. I have been promised phone calls with updates. No one ever calls. The last supervisor I spoke to on XX/XX/XXXX, told me I would receive an update on XX/XX/XXXX and XX/XX/XXXX. at the latest. I had to call today because no one called me back. She told me she was unexpectedly out of the office. She was sending another email to XXXX, the supervisor team member handling my case. When asked when I would receive an update, she told me XXXX was out of the office and didnt know when she would return. Citibank isnt disputing a refund is due. They are saying it was sent and they dont know why XXXX XXXX hasnt received it. They will not let me speak to review team or give me an email to contact XXXX, investigating my claim. So 7 months later, I am still out {$980.00}. I am a good customer of Citibank. Always pay my bill and have excellent credit. I appreciate any help you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01757
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I contacted Citibank on XX/XX/XXXXXXXX regarding my Best Buy credit card that had been closed without my permission. I was also not given warning in order to avoid the closure, notification after the closure, or any communication in-between. I only found out that the account was closed because I happened to log into my account online and saw a tiny little alert near the top of the screen saying " Your My Best Buy Credit Card account has been closed. '' I then called Citibank customer service and they told me the account was closed due to inactivity. Had the aforementioned notice been given, I would've ensured activity occurred on the card in order to avoid closure. The representative also mentioned that there was no way to reopen the account ( false statement ) and that I would need to apply for a new credit card, which, of course, would cause a hard hit to my credit report. I work for a financial institution and am fully aware that reactivations procedures exist, but they were not going to assist with the issue. The Citi Executive Response Team responded via email on XX/XX/XXXXXXXX claiming that they sent alerts via email on XX/XX/XXXXXXXX XXXX XXXX advising the account must be used on or before XX/XX/XXXX in order to keep the account open. Those emails were NOT sent to me and, as I stated to the customer service representative previously, I would have generated activity on the credit card had I been given any notice whatsoever. I then received a phone call from XXXX XXXX XXXX who told me that she would not be reactivating the account because it's in the card terms that a bank can close an account without notice. She also stated that although it's not required in the card terms, that Citi does, in fact, warn all customers of upcoming closures. Because I was not warned, there is a disparate treatment and discrimination issue that is violating fair lending laws. Citibank employees have also been researching my XXXX and other social media from their personal accounts throughout the investigation of this case, which violates the Privacy Act and creates issues of prejudice in my relationship with the company. Following the phone call with XXXX, I received another email on XX/XX/XXXXXXXX with repeated false information that emails were sent to me but they are extending accusations towards me that it's my fault that I did not see them. I read every single email I receive religiously, including junk mail. I have a very reliable email provider. Their refusal to reactivate the account after violating my privacy and banking rules & regulations has driven me to submit both an OCC and CFPB complaint in hopes of getting this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57108
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX unauthorized funds of XXXX dollars were taken out of my checking account. I notified Citibank of these transactions, resulting in me filling out two affidavits, and the results of them denying my funds back. I am in the process of flying an appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A