Date Received: 2024-01-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I called this weekXX/XX/XXXX@XXXX.. being that it had been more than two weeks since I opened the account and have not received it. I called in and followed their prompted choices and selected the only one with report card and once selected it said select three if you have not received your card. I called back in and connected to a representative and they said I requested my account to be closed. I never did.she said she would reinstate and send new card. My concern is that my account will be closed when I never requested that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78539
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The CITI BANK provides the Citi Merchant Offer. On this offer at XXXX, it shows spend XXXX and get XXXX dollars back. I did that on 2 of my credit cards on XX/XX/year>, which was before the expiation date XX/XX/XXXX, but I did not get the credits correctly. I called the customer service in XXXX, but the agent said he could not see the offer and denied my request. I have no other options but to complain here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Dear Citibank, Subject : Request for Release of Jetski Title - Paid in Full I am writing to express my concern regarding an unresolved issue with the release of my jetski title. On XX/XX/2022, I completed all payments for my jetski, financed through your institution. However, as of today, the title has not been released to me. Despite numerous attempts to resolve this issue through customer service calls, there has been no satisfactory progress or resolution. This delay is particularly concerning and unacceptable, considering the jetski is fully paid off and the title release should be a straightforward process. The ongoing delay has caused significant inconvenience, and I am seeking your immediate attention to rectify this matter. As a customer who has fulfilled all financial obligations, it is reasonable to expect a prompt and efficient service in return, especially in matters as crucial as title release. I kindly request that you expedite the release of my jetski title and provide a clear timeline by when I can expect to receive it. Your prompt and effective resolution in this matter will be highly appreciated. Thank you for your attention to this issue. I look forward to a swift response and resolution. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I returned an item to Best Buy - Citibank card. I had already paid the balance so the return resulted in over a {$1000.00} credit balance as I chose not to repurchase from Best Buy. I requested a refund of the credit balance XX/XX/XXXX through help & support email, they responded that a refund would be issued to my bank account in 5 business days. I contacted them again when the refund didn't come on XX/XX/XXXX, the told me another 5 business days. Today I contacted them and they said refund would be made by check in the mail in 7 to 14 days. I told them that was unacceptable because I had already waited since XXXX XXXX and the law is 7 days from written request. They forward my email to the " correct dept '' and cut off contact. I am getting the run around while they are withholding my dollars and I would like a resolution. I have no confidence that I will wait another 10 days to not get a check and start all over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99004
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a XXXX XXXX from Citi about a promotion they are running. The terms were roughly as following : - open an account by XX/XX/year>, and make 2 qualifying enhanced deposits and you will get a cash bonus. I signed up and was approved. I also received an email confirming as such from Citi. I called in today to confirm that I am enrolled in this offer, but to my dismay, the representative both via chat and over the phone told me that there is no promotion offer attached to this account. I asked them to fix this, but they refused to rectify the situation. Bait-and-switch, this is a deceptive practice ; in other words, a scam. I would like to report this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a new checking account with Citibank on XX/XX/XXXX. With the application, I was asked to provide my username and password since I have a Citi credit card. I did. I funded the account and the money has successfully been withdrawn from my external account. I do not have any access to this account. They have not provided me an account number. I do have the last 4 digits. They have provided no virtual access. They have not provided any information to view or obtain access to my funds which have been withdrawn from my banking account. I contacted Citi on XXXX thinking it was just an error. I was advised by XXXX ( Employee XXXX ), a Citi Supervisor that I do not/willnot have any access to the account or funds until the debit card is received next week. This seems illegal. There is no way I am able to monitor account activity or even fraudulent activity. I have no access to view, withdraw or deposit in to this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Citibank advertises Military Lending Act benefits which was the reason I got the card. I was told the annual we would be waved within the first XXXX months. With an assistant we have submitted XXXX different claims and each have been denied stating I am not in the military. I provided the XXXX printout and everything asked but they keep saying their system says Im not in the military. I even gave them the reference to my Citibank government ( military ) travel card. Needless to say I have a couple more months before I cancel as the fee is {$490.00}. I never would have gotten it without their advertised benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a XXXX XXXX XXXX ( a XXXX XXXX ) in XXXX. On XXXX XXXX, there were 3 fraudulent wire transfers from my Citi XXXX Checking account. One for {$30000.00} ; one for {$35000.00} ; and one for {$100000.00}. This amounted to ~95 % of my business money ; all that was left was ~ {$7000.00}. I never authorized these transfers. Ive never transferred sums of this size from this account. Ive never sent any money either of these banks XXXX or XXXX XXXX ( with the possible exception of a refund to a client in the middle of the pandemic in XXXX when they cancelled their wedding ). Citi never spoke with me to obtain my approval for these transfers. Its completely negligent of them to do that! Most of these funds were fiduciary in nature -- deposits from my clients for performing services ( their weddings, events, galas, fundraisers, and creating their subscription bouquets ). This money was to cover all my costs of goods and operating expenses. Without urgent help, I am in a very bad situation. The compromised account is now locked ; I've frozen all of my credit. I filed a police report on Mon. XXXX, the earliest I was able to do so. Citi has been incredibly unhelpful. I was on the phone with Citi for hours every day XXXX - XX/XX/XXXX, escalating the issue and pushing to speak with higher management, as I never authorized these wire transfers and need to obtain any customer protection measures that could help in recovering my funds as quickly as possible. They are telling me they need to first see if the other banks can return any funds, and if they can't they will continue their investigation ( as of Friday XX/XX/XXXX, there is still no concrete response from those banks, which I do not understand in todays modern age! )... Again, I never authorized these transfers. On XX/XX/XXXX, I asked the people I've spoken with at the Wire Dept. at Citi to provide me with their process for verifying/authorizing a wire transfer, and they essentially told me this was proprietary information, and that they needed to first complete their investigation. This is a total nightmare. I worked so hard for this money, and have been a client with Citibank since I was XXXX XXXX XXXX ( I am XXXX XXXX XXXX now ). I worked incredibly hard to be in a position to sign a new commercial lease on Monday XX/XX/XXXX, and put down the 1st month 's rent and 3 month 's security deposit. The money left in my account was not enough -- even for the payroll I needed to run payroll on Friday XX/XX/XXXX. I have roughly $ XXXX in monthly expenses, including payroll every 2 weeks. I do not have my money- the money I need to run operations, pay my 10+ employees, purchase goods, and complete services for my clients, etc. As of yesterday, XX/XX/XXXX, ( now 13 days later ) Citi 's Incident Report Unit ( the unit that handles the fraud case ) told me that they " needed to complete their investigation '' and that it " might take 30 days. '' They did not have any updates for me other than " an investigator will be calling you. '' They gave me a case #, and said they next time I call back to provide the case number for faster help, which I appreciated. This morning, XX/XX/XXXX, I had just started an important call with a client ( at XXXX ) when I received a call from an XXXX number ( at XXXX ) - my screen read " CITI, XXXX and so I said I needed to answer it as I thought it might be an update on my case. The person who called claimed to be Citi, and asked about a " charge to XXXX, '' which I hadn't made. I quickly hung up. I immediately called the IRU/Fraud Dept . to report this suspicious call -- and figured I could also get an update on my case. I have been calling the IRU daily. The woman in the IRU who answered the call and verified my name, asked if I had received any voicemail from Citi in the last 30 days? I said yes. She asked for the reference code in the voicemail. I checked my voicemail and deleted messages, and did not have a voicemail with a 4 digit code from a Citibank investigator from XX/XX/XXXX. She said this call was around XXXX. I explained that I missed this call on XX/XX/XXXX because I was at the Citibank branch, focused on transferring what little funds I had in my compromised account to a new account I was setting up, so that I could run payroll and pay rent, etc. I asked them if they could please verify my identity in another way. She said no, She needed the 4 digit code. I got very angry. I explained I will be putting Citi on blast, as soon as this is resolved for the terrible way that theyve treated me, after being a longtime client since I was XXXX. I screamed into the phone I need help. Youre supposed to help me! ( I was supposed to be in an important client meeting at XXXX, to help lock down a job that I, in this moment, desperately need the deposit for ). She then sounded sullen as she asked for the last 4 of my social. I gave them to her. She then asked for my card number. I said which card? The old or the new card? She said either card. I said Either card? Im hanging up, I dont even trust that this is Citibank XXXX I truly didnt. I felt so paranoid, because just yesterday someone from the IRU had told me that all I needed was my case #. I decided to call the number on the back of my debit card because that has felt like the most legit way to reach Citibank. So, I called XXXX XXXX XXXX. I spoke to a woman, and explained the suspicious call Id received. I shared the phone number that had called me ( XXXX ) she said no, thats not a Citi number. ( So, definitely fraudulent ). She transferred me to someone else. Went through the whole story again. He said he was filing a case with the date / time ( XXXX ) of the phone call and number. He cancelled the new debit card ending in XXXX and Ill receive a new one in 1-2 biz days, mailed to CT, no signature required. Then I asked about the issue w/ the fraud dept. That I couldnt get through to learn about the status of my case b/c I didnt have the voicemail w/ 4-digit reference number. Transferred to Fraud told me he explained I dont have the reference number. Took about 10-15 minutes to get to speak with Laurence from IRU. He also demanded the 4-digit code that I do not have and said without this code, I can not further assist you. At this point, Ive been on the phone with Citi for 1 hour and 20 minutes. I asked to speak to a supervisor. I was put on hold again. ( I took a screen shot of this ). Spoke to XXXX, who Ive spoken to at least twice before ( when previously calling the IRU and not getting anywhere with whoever answered the phone ). XXXX repeated they cant help me w/out the 4-digit code from the investigator, and so the investigator will need to try calling me again. I got very irate, because I felt so gaslit. I am not a child. I checked my Voicemail there was no message, no code ; and, just the day before, the IRU told me all I needed was my case #. I explained that I had missed the investigators call not because Im ignoring calls ( I am picking up EVERY call right now because I have been dealing with so many departments and agencies trying to get answers and help ). I missed the call b/c I was at Citibank. I explained I am a busy person constantly in meetings, needing to organize orders, meet with clients, plan flowers for weddings, meet with employees. I said I would love to schedule a time to speak with the investigator, and that if I had the code, I would provide it as I do not have an hour and a half to be on the phone, fighting to learn any updates on my case. He said he felt me and would email the investigator to share what times Im available. He said he could not call me back to confirm a time that only the investigator can call me right now. I shared I was NOT in meetings today from XXXX, and Monday, XXXX. He said all he could do was share these times with the investigator in an email. I was on the phone for 1 hr 50 minutes. Im unable to run my business. I am desperately in need of help, to get Citibank to restore my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Description of the complaint I believe to be an anti-semetic hate crime encountered ON XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MO XXXX We Arrived at XXXX XXXX on XX/XX/XXXX. Had trouble getting door to unlock with card. The door was not installed correctly. The latch assembly had no clearance between it and the doorframe/striker plate. We had to body slam the door to open. We immediately found the phone not working and went to the office. We were treated disrespectfully by who appeared to be the owners and put off. At XXXX XXXX the defective phone was still not replaced. We went to the office and told them if it was not taken care of we would file a complaint with the XXXX and the Missouri Attorney General 's office. The phone was replaced. The television was worthless! The remote would not work. We went to the office multiple times and treated terribly by the owners. We got one after another line of XXXX excuses. It never did work properly our whole stay. We had difficulty pulling the door tight enough to latch properly due to improperr installation and fitment. We had to force open the door constantly and slam hard to get to latch. I placed a 14kt gold ring on the nightstand Friday night. It was missing Saturday night when we returned from a show ( XX/XX/XXXX ). The ring had the the XXXX LETTER FOR JEHOVAH ENGRAVED IN BLACK ON THE OUTSIDE AND MY NAME ENGRAVED WITH A DATE IN XXXX. This was awarded to me upon completion of degree work in the XXXX XXXX in XXXX. The current radical anti-Semitic climate so prevalent i can only conclude that this was a hate crime due to the predominant XXXX letter for Jehovah. Our XXXX wedding anniversary accommodations were the worst we have had in XXXX since coming here every year since XXXX! I am on total XXXX plus XXXX. The hired staff were helpful, but the owners/managers were the most arrogant disrespectful people I have ever encountered! A police report was made to the XXXX Police Department. Please add this information to the police report. I have filed a complaint with the XXXX and the Missouri Attorneys office and other agencies. I am a senior citizen on total XXXX plus XXXX. We were there celebrating our XXXX wedding anniversary. We have been visiting XXXX since XXXX! Usually more than once every year for the last 51 years! You have no idea how bad I want the ring returned! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: ACCOUNT ENDING XXXX Please be advised that I have made advance payments every month on the account more than the minimum payment due. I was on paperless billing and did not realize that my payments did not reflect during the billing cycle. I was charged late fee for the following months : XXXX {$30.00} XXXX {$34.00} XXXX {$39.00} I am requesting that you waive these fees. In addition, I overpaid {$150.00}, I am requesting that you return the credit balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A