Date Received: 2024-01-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/XXXX I tried to redeem miles for an XXXX XXXX from my XXXX XXXX XXXX Account from the Reward program offered from my Citibank Mastercard that I opened around XXXX. Every dollar charged is a mile on XXXX XXXX as well as miles flown and they add up every month I charged on the Citibank Mastercard. When I called XXXX XXXX Customer Service, they said my Award Account had been compromised so they verified it was me through security questions and unlocked it and opened a new Account number and transfered my miles to the new Account # XXXX and I got my XXXX XXXX. After XXXX I didn't look at the account nor traveled and as of XX/XX/XXXX I had XXXX miles and then on XX/XX/XXXX I had only XXXX and a total STRANGER redeemed XXXX of MY MILES to purchase tickets. On XX/XX/XXXX a woman names XXXX, no last name called from XXXX Customer Service and verified if was me with security questions, and told me my account was hacked and someone stole my miles. I was DEVESTATED to say the least and she said she would help me get the miles put back and help with Filing the appropriate POLICE REPORTS. We opened a new XXXX XXXX Account # XXXX and she said she would be in touch. She never called back so I called XXXX Customer Service and they said I would not be getting the miles back. I was so upset, I asked who purchased the tickets as they know exactly who flew with the security in the XXXX today after XXXX. I said i needed those documents records from my account on flight, name, date, destination, ect, to file the police report. The man said he would send me 5 years of records from my account in 7-10 business days. It has been over a month and never got documents or any further calls from XXXX. I want to file a police report on who ever stole my miles and they know who that is and havent sent those documents to me. They will not give my miles back. I am asking for help on this please. I attached my account statements XXXX and XX/XX/XXXX and found out on XX/XX/XXXX when XXXX called me. I cant beieve they are so negligant on this issue and let someone steal my miles. I called Citibank and since no DOLLARS $ were chaged on my account they couldnt do anything and said I needed to go directly to XXXX XXXX which I did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: After being scammed in XXXX ( XX/XX/23 ), I contacted Citibank credit cards immediately, was instructed to wait for the charge to post, and then challenge the transaction then. However, Citibank credit cards did not perform any meaningful " investigation, '' although it used that word, and effectively excludes any meaningful chance to appeal its initial " investigation '' : 1 ) Although Citibank credit cards was able to elicit a response from the scammer -- for which I am grateful -- they did not perform an basic " investigation '' worth its name. Specifically, they did not compare the deceptive and fraudulent buying process that I had encountered and documented, with the merchant 's bad-faith and off-topic response ( screenshots of a different buying process, as sent to me in 8 pages of docs in an XX/XX/23 letter, on CITI letterhead ). 2 ) After this non- '' investigation, '' Citibank did not provide a reasonable way to challenge its initial determination. Although they stated that you could " continue to dispute this charge, '' that continuation of the dispute required you to submit " a credit slip or chargeback approval letter '' ( XX/XX/23 letter ) -- that is, proof that you'd settled the dispute with the merchant! Because of course the scammer would not reverse the charges and I could not provide this one thing, Citibank would not accept any appeal of their initial, deeply-flawed, so-called " investigation, '' and rejected the entire appeal on that grounds alone, never even scrutinizing the fraudulent buying process that led me to request charge reversal ( XX/XX/23 letter ). Overall, this is very unethical behavior, and I'm now worried that the negative results of their so-called " investigation '' might close off other avenues of recourse with the scammer and make other avenues of recourse not take me seriously ( e.g. when I appeal for help to my state attorney general 's office )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX oXXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open my account in XXXX with a XXXXXXXX XXXX deposit direct deposited from my XXXX XXXX XXXX checking account. After two months of calling and waiting I still never received an atm card. They refused to transfer my money back to my original account with out the atm Card number. Which I never received. I asked for a manager who was rude and nasty said they did nothing wrong. Would only mail me My money which she had just said she had mailed an atm card two times and it was returned. But now she is going to send my money that way. That was XX/XX/XXXX. Still no check. I received three letters saying my address was updated each time the exact same but still no check. Ive called three more times and no body will take accountability and give me back my money. So for four months they basically have held my 300 hostage and refuse to give me money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30655
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: Citi bank has continuously failed to provide me with the necessary documentation and verification as a response for why they believe the balance and fees are accurate. This has gone on for several months. It can't be accurate if they failed to process multiple full refunds. I attached one example of this as an attachment. I was advised to open this case again over the phone today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I had a one year CD account with Citi Bank, that matured on XX/XX/XX/XX/XXXX After it matured, Citibank said that I have a seven day grace period to make any changes to the account. Otherwise it would automatically renew on XX/XX/XXXX, it stated that in order to close the account I could withdraw the funds. I did not wish to renew the account so I set up an external transfer on XX/XX/XXXX, due to the holidays the transfer would not have been finalized till XX/XX/XXXX which would be two days after the account would be renewed on XX/XX/XXXX. As a result, I called Citibank on XX/XX/XXXX to inform them that I would be making a transferred to an external bank. They offered me to close it on the phone and mail me a check. I stated that I already started the transfer, so I did not wish to have it mailed. I then asked if the transfer would occur after the account was renewed would there be any penalties as a result the agent assured me that there would not be any. I then again confirmed this with the agent a second time. The next day I see that the transfer did not go through. I called Citibank to close the account but they said that there would be a {$220.00} penalty. I tried to make several complaints to get this waived as I was misinformed by the representative, however, the penalty was not waived. I was also informed that the reason the transfer did not go through was because Citibank only allows you to transfer the funds out of a CD into a Citibank account or to mail a check. This was also not disclosed to me by the original agent, either as I did inform them, it would be in an external bank account. This is now two pieces of crucial, misinformation that I was given by that representative it is not fair for me to pay a penalty when I was assured I would not be and also misinformed that my external transfer would be an option to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I applied on line for an XXXX XXXX credit card. I submitted the application because the offer included several perks, like XXXX frequent flier miles bonus and free checked luggage. Although I have a credit score of XXXX out of XXXX ( please see the Credit score attachment ) Citi bank swiftly rejected my application. Citis rejection pretexts were XXXX ) I have a high amount of unused credit and XXXX ) I have recently opened one or more accounts ( please see the attachment titled Citi rejection letter. ) Actually, this rejection is an attempt to force me to borrow directly from Citi! Since my XXXX application Ive been deluged with Citi offers for loans and even a new Citi credit card. As examples, please see the attachments Citi loan offer and Citi new credit card offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80528
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My wife is the primary account owner of a Citi credit card. My wife added me as an authorized user with my own card. I tried to add my card to my mobile wallet. Because I am not the primary account owner, Citi needed me to dial in for verification. When I called in, Citi did not ask for my information. Instead, they asked for my wife 's information. Specifically, they asked for her security password, they also asked for some of my wife 's account information related to another financial institution. I understand that Citi would need to verify the information of the primary account owner. I do not understand why they would prompt an authorized user to call in and supply information that is not theirs. Where Citi is aware that they are speaking with someone other than their customer, and that person is providing them with a security password that Citi knows belongs to someone else, this should immediately cause concern to Citi. Citi should not be encouraging their customers to share their passwords and other non public personal information with other people. Citi should not build verification systems around this practice. This creates a high risk of identity theft and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92009
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 Citi Bank decided to close my account because they were allowing fraud on my account. They investigated it and found it to be a fraud and returned my funds but they decided they did not want to do business with me and blocked my account and kept my {$300.00} they never notified me and are refusing to return my money to me now. On XX/XX/2023 Citi Bank 's official statement, told me that as of XX/XX/2023 there would not be any access to my account by withdrawal, or online banking, and no deposit direct deposits would be rejected and returned. On XX/XX/2023 account was already closed they accepted a XXXX deposit and did not reject it on a closed account and return it to the United States government so that the deposit could be deposited by the government into my new account Citi Bank stole that deposit and put it in an account I can't access 2 weeks after they closed my account and now will not return the money to me or will not return it to the Government. They have {$4000.00} I can't pay my rent, and utilities, buy food, or get my XXXX medicine. They say to go to your local branch my local branch for Citi Bank is 5 hours away and maybe I could withdraw it from a branch. I will lose my home my electricity my water and without my medication my life. They stole XXXX and put that money in a closed account knowing i would not get access to those funds I want and need my money today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. Please review the following : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : MACYSCBNA Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). After you have finished my request, send me a copy of my credit report reflecting these changes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A