Date Received: 2022-12-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citi XXXX Checking account for the sole reason of the sign-on bonus they offered. I qualified for a {$1500.00} bonus as my deposit was between $ XXXX. I was denied the bonus because they said my W9 was not received timely and therefore my account was never deemed 'opened '. The required criteria to receive the bonus, per their terms on the website is as followed, along with my personal applicable dates. 1. Open an account & Enroll in the new to Citi Cash Bonus Offer - Opened account via the Bonus Offer link on XX/XX/XXXX. 2. Balance deposited as of the XXXX XXXX is the amount eligible for the bonus ( or potentially XXXX day depending on digital status ). 30 days would be XX/XX/XXXX. Only XX/XX/XXXX - deposited {$200000.00}. Balance remained at XXXX on the XXXX day and XXXX day. Meeting criteria # 2. 3. Maintain balance for 60 calendar days after the measurement date in # 2. 60 days after that latest measurement date would be XX/XX/XXXX. My balance remained at {$200000.00} ( plus interest ) until XX/XX/XXXX. Meeting criteria # XXXX. 4. Bonus offer will be paid within 90 days after completing all activity ( XX/XX/XXXX ) - My account was opened at this time. 5. U.S persons must furnish a W-9, accounts subject to backup withholdings do no quality. I submitted my W-9 in XX/XX/XXXX. Well before my schedule bonus payment date. Nowhere in the terms does it stipulate the W9 must be received for an account to be deemed open. I would not be subject to withholding taxes unless the bonus was paid, therefore implying the W9 only need to be furnished before payment. If my account was " not opened '' they would not have accepted my {$200000.00} deposit. The W9 timing is a trick to avoid paying the advertised sign on bonus. I have started to move my funds out of Citi as of XXXX and will move to close my account as soon as possible ( though even that is proving difficult ) as I do not wish to let a shady company continue using my cash for their own gain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On or about XX/XX/2022 XXXX XXXX XXXX has reported incorrect information to XXXX and XXXX as well as violated my rights under : 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have not given any consent, and no consent is a violation of my rights as a consumer. I have filed multiple disputes with the credit reporting agencies. No action has been taken by the company at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46901
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
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 a credit card with citicard and I purchased a flight ticket on XX/XX/2022 that included baggage. Once the merchant ( XXXX ) charged me and sent the confirmation email it no longer included baggage. After several days of the merchant not responding to my calls or emails I decided to dispute the charge through my credit card as I had been issued the service that I had been charged for, amounting to {$1000.00}. XX/XX/2022 the merchant contacted me once they knew I had started a dispute and agreed to resolve the issue, provided that I withdrew the dispute and proved this with an email from citicard confirming this. I withdrew the dispute and Citicard have never issued an email to date regarding the withdrawal and the only evidence of me withdrawing the dispute was through the app on my phone or my online account. I have provided evidence of this to the merchant and to citicard. XX/XX/2022 I emailed citicard asking for the dispute to be reopened as the merchant was not responding. The dispute was reopened and I was informed via the citicard app that the dispute would be resolved by XX/XX/2022. I contacted citicard via phone call on XX/XX/2022 as the dispute was not resolved and citicard said that they were not aware that I had reopened the dispute. It was only when I provided a screenshot of my account confirming this that they then submitted the dispute again to be resolved by XX/XX/2022. The dispute was completed in favor of the merchant and when I read the merchants reasons, it was evident that citicard had not considered any of the factual evidence that I had provided. I was given instructions on how to appeal this decision. I spent the next week collating evidence and writing all necessary details to support the evidence provided and submitted my appeal XX/XX/2022. citicard stated in their decision letter that my appeal would need to address the merchants points in their response to my appeal. It took citicard over three months to come to a conclusion of my dispute and less that XXXX hours to reject me appeal. XX/XX/2022, I emailed citicard stating that the merchant had not responded to or even acknowledged my appeal and citicard have not responded. I called citicard today and they are adamant that emails have been sent and responded to but still provide no evidence of this. They sent me an email confirming the had made a decision of my dispute and that I could access it through the message centre of my online account but no other emails. I am constantly told that a request will be sent to the correct department and I will get a response in XXXX business days but as of XX/XX/2022 this has never happened. I also closed my account as I no longer wanted to do business with them and they are responsible for refunding me {$99.00} membership fee but again will not acknowledge this via email. The dispute could have been resolved on XX/XX/2022 if citicard had sent an email confirming my withdrawal of the dispute. citicard did not follow correct procedure when dealing with my dispute. citicard did not consider the evidence that I provided to support my dispute and citicard did not follow correct procedures regarding my right to a fair and competent appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I would like to make a complaint regarding my dispute with Citibank. I have had their credit cards for 20 years without any issue and last year I also had a checking account with them with no issue but I closed it to go with a different bank for their better term. I never violated any terms, paid my cards always in full and on time. On XX/XX/XXXX, I opened a checking and savings account through my online access. They then debited XXXX from my other bank account for deposit to the new account. The next day, I received an email saying the accounts have been closed, I could not even access my online account. I called them several times and the rep could not see that there was money in the account and finally I talked to the executive response unit and I had to send her a screenshot of my other bank account to prove that they debited the money from me. Originally, they also said that they are going to mail that money via check to me within 31-60 days without any tracking information, now that I pressed for the fact that they're being totally unfair and irresponsible, they provided me with a letter saying that it will be mailed within 7-10 business days ( today is already the 17th days from they closed the account ) and may provide me with tracking number when they do. This is totally wrong because first of all, I know for sure that I did not violate any terms and they did not want to provide me with reason at all. To let someone opened an account where they need to do due diligence before approving then closing the accounts the next day, not being responsible with the money is a breach of warranty and duty. It has been stressful to say the least and now that I do not have access to online account, and for the fact that I have been transacting paperless for many years, how am I supposed to pay my credit cards bill with them. Their reps are very unprofessional, dealing with them is very difficult. I think the fact that Citi is trying so hard to lure consumers by offering bonus and high yields is the heart of this problem. Thank you for your attention to the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX {$360.00} XX/XX/2019 I've sent XXXX rounds of letters and that the account still remains on my credit profile and have not been fully validated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Over several years I managed to use my XXXX XXXX cash-back credit card to accumulate over XXXX redemption points ( to be translated in dollars by Citi card ) Upon my request to redeem these points, I received a check for only $ XXXX XXXX. XXXX XXXX of what it should have been. Complaints to Citi Card fell on deaf ears. No response. Can you do anything to help? ( Citi Card now advertises XXXX XXXX cash back ) Thank You!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX XXXX I opened a Checking Account with Citibank online and funded it with {$1000.00}. On Tuesday XX/XX/ I received an email congratulating me on my enrollment in the Member Cash Checking Offer. This email stated I would be eligible for up to a {$1500.00} Cash Bonus if I deposited {$200000.00} or more within 20 days of opening my account. On XXXX XXXX XXXX I deposited {$220000.00} into my account which was within the 20 days of my opening my account on XX/XX/XXXX. The program required me to maintain the balance for 60 days- which I did ( well over 100 days ). I kept the balance over {$200000.00} until XX/XX/ when I eventually started transferring the money to other accounts and it dropped below the {$200000.00} I never received my bonus cash. On XXXX XXXX I reached out to my banker via email to try and resolve this. I've been told that the Promotional Dispute team is looking into it. It is now XX/XX/XXXX and I have not been paid my promotional amount and I feel as though the bank doesn't care to resolve this. I consulted an attorney and she recommended that I try this route before taking legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received an offer for a Wayfair Citi card, I went to their page the application said I was pre-approved, I read over the application as I read it my information was already prefilled in. But when it came to submitting an application I decided the interest was too high and opted out. Then a few days later I have an alert from the Credit Bureau that I had a hard inquiry, I found out it was the city Wayfair. I called them and said what is going on, the girl said oh do you want to finish your application and I said finish? I never even applied and I wanted that hit removed immediately, she claimed she could not do that but I could cancel my application and I said WHAT application? She said it was incomplete, I then asked her why they were doing hard hits on incomplete applications. I told her to make notes of the phone call and delete any information and when I sent in the dispute it needed to be honored she said ok, and I receive a letter telling me they canceled my application but did a hard hit, I AM FURIOUS! I NEVER submitted an application to them, further proof of this is XXXX emails from them stating that I had submitted an application XXXX emails saying I had an incomplete application, only after I called and demanded they remove the hit did they send a letter. Why would I put in an application and not get approved??? They have no answer for this, only that they needed more information, which is a lie because I was already pre-approved! I know with 100 % certainty I would be approved why would I allow a hard hit to my credit and walk away with nothing? I want this hard hit removed and an apology! They need to fix their stealing thieving software!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72756
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My late husband and I have had an account at a bank since around 1970 which has served us well until we moved to XXXX many years ago and with retirement the account receives direct deposit of pensions. Unfortunately my husband used a familiar name instead of my birth name, XXXX XXXX XXXX XXXX. With new rules for identification from this bank I am unable to access my account despite several mailings from me of my details and W-Ben forms XXXX but without a birth certificate in the account name it has now been blocked from me. Luckily, the Social Security Administration has accepted my array of identification documents and is issuing my direct deposit in the correct name. I have asked the XXXX to make direct deposits to my account in XXXX to avoid the XXXX bank, same with XXXX but now that I can't even access the account overview I don't know if those diversions have been enacted. The ATM card I have with that bank no longer works either. At this point I'd prefer to have the account closed and the remaining monies transferred to me here but that action is no longer available to me either. Actually I don't understand why that bank accepts transfers in either name since both should now be XXXX instead of XXXX... but who can tell why...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A