Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday XX/XX/ at XXXX XXXX, I deposited {$500.00} ( XXXX {$100.00} bills ) into my Citibank checking account ending XXXX at the ATM of their branch on XXXX XXXX XXXX, XXXX, CA XXXX. The ATM all of a sudden ended the transaction, gave me my debit card back and nothing was on the ATM screen anymore. All happened after the machine swallowed my Cash and nothing got deposited into my account ( Nothing is showing to this date ). I immediately called the number on the back of my debit card 7 minutes later and reported the incident. The representative told me that my money would show up imminently on my account and opened up a case ( Case ID # XXXX ) but four days later and my money is still missing. The representative over the phone sounded very incompetent and barely could speak English. The ATM had two security cameras above it which can confirm what happened easily, however Citibank is unresponsive and unhelpful. This is clear theft being done by Citibank. I don't know what to do anymore. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Made an deposit into my account and every since my funds cleared after 5 business days Ive been having the hardest time to retrieve my funds from CITIBANK, constantly blocking my card everyday for no reason after my literally verifying every single transaction, so I went to branch to withdraw my funds out of my CITIGOLD account and the teller who was helping me seem like she was having a very BAD day since she was the only teller working out of 4/5 tellers, she decided to make my year bad already by writing unnecessary comments & notes on my account! When all I asked was to withdraw my funds. Please have Citibank unblock my CITIGOLD checking & saving account so I can take my funds out and put them elsewhere! XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XXXX XXXX a credit card was processed without my consent to CBNA. I reported this fraudulent activity to CBNA on XX/XX/XXXX. The credit card was frozen and the processing stopped. In XXXX XXXX I reported to CBNA the hard inquiry was still showing on my credit report. I was informed from they had reported this to the credit bureaus. I was also told I should have received a letter from them regarding the fraudulent credit card processed without my consent. I never received any information regarding this situation. I also disputed to XXXX I was told I need to contact the company. The hard inquiry still showing on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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: was charged a deposit for {$15000.00} to make sure I have enough money to bid on my card for a charity auction legend on the same day and an hour later I bid on something they charged me {$5600.00} I disputed this charge Citibank gave me a provisional credit and they took the credit back on XX/XX/XXXX I wrote them a letter gave explanation after I did that four different times they responded on XX/XX/XXXX and told me theyll give me the credit back on XX/XX/XXXX and this investigational will be completed its been almost 3 months I dont know what the law states but theyre taking too long to investigate this I want my money back I want the credit this is ridiculous this was just a deposit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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: Re : Account Number XXXX XXXX XXXX XXXX Home Depot Is Attempting To Defraud Me Background I buy many large purchases from XXXXome Depot so that I can get 0 % interest. When I do buy anything from Home Depot where I get 0 % interest, I immediately go into my online banking and set up monthly payments for each month until the balance is paid in the allotted time. I do not pay any interest. I set these payments up so that each payment has a memo showing which of my purchases that payment should be credited to. What Happened Over the last XXXX years, I made XXXX different purchases at 0 % interest. In XX/XX/XXXX, I made the final payment on all purchases from Home Depot. My balance is XXXX. However, I continue to get statements with a balance of {$470.00} which I do not owe. Problems started in XX/XX/XXXX when Home Depot began a pervasive pattern of not correctly crediting my payments to my account. It could have started earlier. I have not checked that. Over the time from XX/XX/XXXX until now, Home Depot failed to credit XXXX of my payments. I have not received a correct statement from Home Depot since that time ( perhaps even earlier ). It took me a while to catch on that there was a problem. In XX/XX/XXXX, I began to work on getting the problem corrected. To date, I have probably spent XXXX hours attempting to get Home DepoXXXX to correct the problem they caused. Finally, late in XX/XX/XXXX, they acknowledged their mistake and correctly credited the payments. ( Attachment XXXX -- Home Depot Credits My Account ) However, they continued to send me statements with a balance that I do not owe. I have been working closely with XXXX XXXX, the Store XXXXXXXX XXXX XXXX XXXXXXXX Home Depot. The best answer he could give me is that I owe money because a store associate made a mistake and gave me 12 months of 0 % interest rather than a shorter term. In some vague way, that supposedly caused me to owe them {$470.00}. ( See Attachment XXXX -- XXXX XXXX Email Explaining ). I have never received a written explanation. I have spent countless hours and many attempts calling XXXXome Depot Customer Service attempting to resolve the problem. I havent documented all those calls. They were very lengthy and all basically fruitless with ridiculous response. To be fair, it seems that Home Depot has made their Customer Service jobs a nightmare by not adequately equipping them to solve problems. Because I havent received a correct statement over such a long period, its impossible for me to even be able to get to certainty. I do know that Customer Service told me that a {$29.00} late fee was reversed but it ( also ) never showed up on a statementso its hard to trust their numbers. In fact, I believe that I have overpaid them ( See the notes at the bottom of the chart in Attachment XXXX -- XXXX To Home Depot ). Until I get corrected statements, I can not be sure. What You Think Would Be A Fair Resolution There is only one fair resolution. My balance is XXXX. I have paid every XXXX of what I owe to Home Depot ( and some extra to boot ; See notes at bottom of chart in Attachment XXXX -- XXXXLetter To Home Depot ). I owe nothing. The only fair resolution is : I get a statement from Home Depot showing a XXXX balance. I get corrected statements from Home Depot for all the months that they sent me incorrect statements. Note that I still need to be able to go back and see if they have pulled any other financial shenanigans. I receive a written apology for the shabby treatment theyve given me ( Ive easily spent well over XXXX figures at Home Depot renovating a series of homes ). If they really want to make this right, theyd give me a free gift card of {$500.00} for all the pain, suffering, grief, and worry they have unnecessarily caused me. What XXXX Tried To Do To Resolve The Issue I am attaching documentation of most of my attempts to solve the problem ( Its extensive. ). These Are The Attachments Im Sending Attachment XXXX -- XXXX Letter My first attempt to contact Home Depot Customer service and get resolution. Attachment 2 -- Home Depot Response I received a letter ( dated XX/XX/XXXX ) from Home Depot in response. On XX/XX/XXXX, I did as they recommended and called Customer Service. ( I have included my notes from that call in Attachment 2. This ended up being a 3-hour call. Essentially what they told me is that they do not have access to records older than 12 months and that I would need to tell them the specific payments that were not credited. She also told me that all payments had been credited. This was clearly untrue as the amount of the balance did not match what it should have been. Attachment XXXX -- Emails With XXXX XXXX These are the multiple emails back and forth betweek XXXX XXXX ( XXXX XXXX CA XXXX XXXX XXXX XXXX ) and me. He was working with the credit card company directly as he said that that was typically a better and faster solution than working with Customer Service. Only during this long back and forth was it revealed to me that Home Depot has a XXXX XXXX section of customer service with a different address that specializes in solving bigger problems. Attachment XXXX -- XXXXLetter To Home Depot Time was getting closer and closer to when the deferred interest penalty would kick in. I spent massive amounts of time ( an entire weekend ) on getting this information together. It includes a cover letter explaining more of my efforts to get resolution. It includes a chart showing all the payments that were made and the payments that were not credited ( XXXX boxes on the chart ). It also explains how I have actually paid more than I owed ( never being credited for a reversal of interest charge for instance etc. See notes at bottom of chart. ). It includes proof from XXXX bank that those payments were made. There was only XXXX problem ( caused again by Home Depot ). The XX/XX/XXXX payment shown on my chart was a mistake. I was missing the statement for XX/XX/XXXX and Home Depot SENT ME THE WRONG YEAR when they sent a replacement statement. I did not check the year on the statement assuming they had sent me the correct replacement statement. Otherwise all the XXXX box payments were not credited to my account. Attachment XXXX -- XXXX XXXX Email Explaining This is a short sequence of emails between me and XXXX XXXX. I have encircled his explanation of why I owe money when I have already paid all payments on time. Attachment XXXX -- Another Attempt To Get Resolution I am documenting another attempt to get resolution. When I called Customer Service again, I was finally given a direct line to the credit card company. I describe that experience. Attachment XXXX -- Deferred Interest On XXXX balance XXXX went to the effort of getting me deferred interest on money I dont owe. Attachment 8 -- Home Depot Credits My Account Confirmation from Home Depot that they have finally credited my account for all the payments they failed to credit me with. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Citibank sent me an email indicating a " recent review '' of my credit report made them decrease my credit limit from XXXX to XXXX, only leaving me with XXXX available credit and then they would be able to charge " over the limit '' fees. I called to submit a dispute and was only told to check XXXX. I have always paid my bills on time and no specific reason for the reduction. My credit report does NOT have any derogatory marks, such as collections, judgments, or bankruptcy. I have never been late on the payments to CitiBank. I do not believe their decision was fair and I have never filed for bankruptcy and my payment history over two years has NO late payments. NO derogatory marks. In fact, last year they increased my credit limit. And then today this happens with no warning. It was reduced just enough to make it easier for them to charge " fees '' for being over the limit and report that to credit bureaus. I also have a mortgage and personal loan reporting as current as well. My utilization is being worked on. But that does not justify this decision.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX, I purchased a TV from BestBuy and the experience from beginning to end has bene terrible. When I purchased the TV, the BB agent told me about their Citibank credit card which was XXXX % APR for a year, so I signed up. I checked my account today and noticed that BB has been charging me interest on purchases so I called and the person that I spoke with said that the XXXX % APR only applies to certain promotional purchases. This is extremely sneaky and deceptive. This is not what I was told and if they told the truth from the beginning, I would have never signed up. I want the {$96.00} interest they have taken from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: Citibank is where my accounts were hacked. XX/XX/scrub>XXXX XXXX XXXX my checking account was hacked. Hackers changed the email address and password. Put wire transfer feature. Put in 2 new payees. Made 2 wire transfers to their new email account and domestic bank account. The transfer was made by a XXXX XXXX to an account at XXXX. He tried a third transfer that was denied. Citicorp denied that one. ( Thank goodness ) The wire amounts were for {$1900.00} and {$2000.00}. I reported the fraud of unauthorised wire transactions for investigation and was denied a refund. I appealed and was again denied, even thought Citibank knew that my account had been hacked. Citi said that the wires were authorized. The fraudsters had hacked 2 credit cards the same day. They refunded me on one account but not on the other. Citibank has all the documentation to indicate that it was fraud and unauthorised wire transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: I am a Citi priority customer and holding this account with them for many years. I am based in XXXX and initiated an international wire transfer for USD XXXX on the XXXX of XX/XX/XXXX. On the XXXX of XXXX, I received an email stating that my wire transfer was on hold and that I should call on XXXX. Addtionally it stated that if they dont hear from me, the wire would be cancelled. I promptly call this number and after some verification related questions, I was thanked for the verification and told that the transfer would take XXXX hours. However on the XXXX of XXXX, I received an email stating the wire transfer was cancelled because they could not reach me. My correct phone number is on my Citi profile and I did not receive any phone calls from them. I had to initiate another transfer, called them again for the verification and once more I got an email stating the wire transfer was cancelled because they could not reach me. Since Citi does not have an email service that i could write to them, I posted my grieviance on " XXXX '' and was promptly called by someone from their social media team who also helped me connect with the Wire transfer team who completed another verification over the phone. The XXXX wire transfer was however also cancelled by Citibank and I have now initiated a XXXX one which is pending and my worry is that this one will get cancelled as well because its the same sequence of events that is repeating over and over again. I just called their wire transfer service and completed XXXX more verification as well. The entire episode has already cost me XXXX XXXX XXXX of international phone calls, being put on hold for several minutes each time, embarassment with the intended recipient of the wire transfer as well as torture and anguish. I work with other international banks like XXXX in XXXX and it is very clear to me that Citibank is working with outdated systems and technology. I am a XXXX XXXX XXXX XXXX and feel like i am having to beg with Citi for my own money. Last but not the least, I would like to mention that I have had an exactly similar experience with Citi in XXXX where the transfer was cancelled at least twice before it was finally processed. I have attached screenshots of emails from Citibank as well as a screenshot of my phone with calls made to Citi. There are several more calls made using XXXX.
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: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A