Date Received: 2023-07-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sit/Madam I am a XXXX XXXX resident in XXXX and XXXX with XXXX dependent son. My state pension was stopped on XX/XX/XXXX, and the XXXX refuses to come up with a solution to rectify the problem. Yes. I do understand their argument that they used Citibank for their transaction services, and that Citibank now refuse to service cash transactions to XXXX, including those to XXXX XXXX residents. Please understand the seriousness of this situation, as I am sure the intent of sanctions is not to starve ordinary common people from surviving with an income. Also, please understand that as a resident I signed an agreement I will not be in debt and will pay taxes to the XXXX government, I can no longer do that, with the serious problem of where the next loaf of bread will come from. When I get deported, can I bring my wife and son? not that I want to. I would sooner stay here and receive this. There is a solution, I do have a bank that is not sanctioned and will accept international cash transactions in XXXX XXXX and dollar, ( I have those separate account numbers ) and that is XXXXXXXX XXXX ( XXXX ) registered in XXXX. I have informed the XXXX XXXX, but they are ignoring this solution to directly pay My pension to XXXX XXXX. Could I work? Yes, and my wife and I did as freelancers. But unfortunately the agency contacts we had cant pay, due to sanctions. We are owed money but dont know if and when we will be paid. The work we did depended on payments from international customers, so freelance agents are also suffering due to sanctions. I have contacted the XXXX XXXX in XXXX, and the XXXX XXXX XXXXXXXX and they were no help at all. Please understand the seriousness of this situation, nobody can survive without income and the banking ability to receive cash. Your faithfully XXXX XXXX XXXX Contacts The XXXX Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To whom it may concern I XXXX XXXX I have a complaint against citi bank I have bank account in citi bank my debit card was compromised at some time in XX/XX/XXXXXXXX and after that I get fraudulent activity through XXXX XXXX I lost my money thru debit card almost $ {$42000.00} I did complain through bank representative in XX/XX/XXXXXXXX but they declined my case after that I contacted to bank XXXX XXXX XXXX XXXX they accepted my case and give me back {$20000.00} but didnt give me full amount they accepted that I get fraud in my bank account through debit card but they didnt want refund my total loss can some one help me out with this big company to get back my money Sincerely 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: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 2 Balance transfer amounts on Citibank card : 1 at 0 % until XX/XX/XXXX Balance Transfer 5 now at 20.99 % and 1 at 1.99 % until XX/XX/XXXX Balance Transfer 4. XX/XX/XXXX called to payoff Balance Transfer XXXX before rate expired and interest was charged. Told to call back XX/XX/XXXX to make the payment. XX/XX/XXXX called to make pmt to payoff Bal Transfer 5 to avoid interest charges. Told to wait and call back XX/XX/XXXX so the interest would change and be higher than Balance Transfer 4 and start being billed. XX/XX/XXXX called back, explained my 2 previous calls and why I was calling, verified and confirmed amount needed to pay off Balance Transfer 5 and that it was now at 20.99 % interest, and payment specifically to pay off Balance Transfer 5 was processed over the phone. XX/XX/XXXX new statement is received. Payment to Balance Transfer 5 was incorrectly applied to Balance Transfer 4 and interest was charged for Balance Transfer 5. XX/XX/XXXX after speaking with a rep was transferred to supervisor, XXXX, he told me he understood what had happened and that he would take steps to correct the misapplied payment and refund the interest charged. XX/XX/XXXX received letter from Citibank stating payments are applied to higher interest rates before lower rates and the payment was applied to Balance Transfer 4 instead ( at the time of the XX/XX/XXXX payment, Balance Transfer 5 was the higher rate ) and they would not honor my request to have the payment applied correctly. XX/XX/XXXX - thinking the XX/XX/XXXX letter was in response to one of my first calls, I called and spoke with XXXX who confirmed XXXX had made the changes and Balance Transfer 5 was at a {$0.00} balance. XX/XX/XXXX new statement is received. Interest refund on Balance 5 by XXXX was processed but payment paying off Balance Transfer 5 was still showing as applied to Balance Transfer 4 and new interest was charged once again for Balance Transfer 5. Called and spoke with XXXX who told me that the " back office '' would not allow the payment to be applied to Balance Transfer 5. I told him I would be filing a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This Real Estate merchant charge my account for {$10000.00} and telling me they would give me the tools and resources I need to make a return on the money. I also spent money on the software to run the business and I had to pay the Virtual Assistant every 2 weeks for the work they put in to produce leads and receive offers but were unsuccessful. Within the first month and after 30 days I asked the Merchant/CEO for my money back and he refused to refund my funds. They promised to help me get the leads and help me close real estate deal or until I Make my money back but did not fulfill what they told me. They said they didnt have a refund but they lied to my bank about no refund because it was an advertisement video online about getting a refund back within a certain period and after he took the video down and also this year he took down the website and Im not the only one he has done this too. In this process I have lost upwards of {$15000.00}. Upon my situation and trying to dispute with the bank and contact the merchant they blocked my number and ignored my emails and my request for refund because I did not get the service that was told to me and that I would make my money back which I didnt make a dime. With all these transactions plus my bills it caused my account to go negative because the bank reversed the charge of {$10000.00} and that left my account in the negative and now I owe the bank {$5500.00} and they kept telling me to go after the merchant which I did many times and didnt get any response from them and my bank closed out my account in XX/XX/2022. This has been soo frustrating and painful because thats my money that I worked hard for. I would like all my money back plus damages. I disputed this transaction and Appealed with Citibank and they still denied my money back. They have failed me drastically. Another young lady contacted my on XXXX with the same issue with the merchant and the XXXX XXXX tried to compromise with her and told her if he drop the case against him he would give her back half of the money which would be {$5000.00} but he was not willing to compromise and help me out in the cold. The merchant charged her card a month before mine in XX/XX/2022 and my charge came out XX/XX/2022 and for some reason her bank XXXX XXXX honored and gave her half of the money but still lost the other half of the money and my bank didnt give me anything back and they didnt even seem to want to further help me get my funds back. Its been soo frustrating and this misery to get my funds back to me.I am attaching the receipts of what was taken from my account for the software and paying the virtual assistant every 2 weeks to work the leads. Also Im attaching the messages from the young lady that lost her money with this merchant XXXX XXXX XXXX and XXXX name is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: It all began with me receiving an email from CITI on XXXX saying I needed to use my card otherwise my account would close due to inactivity. Since this is the card that I have had for 20 years and my oldest card, for my credit score sake, I thought I would keep it open, so I went to add it to my Apple Pay on XX/XX/XXXX on my laptop to use it. It would not work, so I opened the chat and the person told me the last three digits of my card was the security code. It was not. So it wouldn't work. I then decided to call customer service for help since the chat misled me into entering incorrect information and probably started this whole situation. The customer service person immediately transferred me without telling me why and all of a sudden I was talking to someone in Fraud. That person said they needed to verify me and asked me for my landline phone number and what other accounts I had with CITI. I don't have demand depository accounts with CITI, so apparently I was not eligible to be verified. There was no option for a One Time Passcode or other method of authentication that any other financial institution uses. Instead I was told I would have a letter mailed to me. No instructions on what to do with the letter or anything. Just I had to wait for a letter. I asked to be transferred to the complaints department and was told that was impossible and I would be provided a physical address to mail them a letter. So I hung up and dialed customer service again and was given phone number XXXX to call and log a complaint. I called the complaints number and they told me they couldn't talk to me unless I had a landline or accounts with Citi, otherwise, I would need to wait until I received the letter. She wouldn't even LISTEN to me and attempt to hear me out. She told me it was absolutely impossible to get help on the same day. She also told me that she would have a supervisor call me that same day ( I confirmed it would be the same day ). I did not hear from anyone. At this point, I decided to call back and close my account because I would rather have my credit score lowered than to deal with CITI ever again in my life. No one was willing to help me or escalate my issue or make any attempt to provide assistance. They told me I couldn't close my account or even log a complaint. She told me I had to wait for the letter to come in the mail in 5-7 business days and she wasn't even able to see any of my customer profile. She did at least tell me what the letter was for and that it would have a reference number that I would need when I call back in. I finally received the letter on XX/XX/XXXX and called in to close my card. The automated service automatically transferred me to the fraud department which verified me from the code in the letter. I told them I wanted to close my account because of the terrible experience and I think they closed it, but the representative was not clear and did not provide me a confirmation. I asked again to be transferred to a complaints department and was hung up on. I then called back again to the general customer service number XXXX and was told I could file a complaint with them. However after I shared my story, the representative again placed me on hold and then hung up on me again before any confirmation of receipt of next steps. I am unclear of whether or not my account is closed or if my complaint has been filed. It seems to be misleading and deceitful to require a customer to have depository accounts with a financial institution in order to get help with a product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I made it I deposited two checks that equal to the amount of XXXX. Without knowing I could not deposit a check that had my grandmothers and boyfriends name at the time, even though it also included my own name, which led to my account being shut down, and now that money is currently being held in a subledger, so the three of us that were named on the checks of time a deposit, when inside a branch submitted evidence that the checks belong to us and submitted that evidence so we could have the money released back to us. Unfortunately weve been getting the runaround for over three months and that money is still being held within the Citibank subledger. We would like that money to be released back to us since we submitted evidence that are belong to us, and the three of us appeared in person into a branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Although Citi has now lifted the security hold on my account, they are still fraudulently holding my funds without my permission. Ive made multiple attempts to wire the balance in my checking account to my other account with XXXX. They claim that they can not complete the wire because they have to call me to confirm the wiring instructions, but their automated dialing system cant call my number because its not associated with a public record. This makes XXXX sense. They were happy to take my money but are now refusing to release it. They are in violation of XXXX. I am closing on my new home on XX/XX/XXXX and am in jeopardy of losing my new house and {$5000.00} in XXXX money if they dont complete the wire that Ive instructed them to. Id love to do a simple transfer instead, but they only allow XXXX in transfers every 30 days and this transaction is over XXXX. I spent hours on the phone again yesterday and today trying to get this resolved. They wont accept my authorization over the phone and insist they have to call me to verify the wire, even though they know full well that their system cant make the outbound call. They refuse to manually dial my number like a reasonable human would do in this scenario.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX someone " hacked '' into my savings account and illegally wired approximately {$4100.00} to a " XXXX XXXX '' without my approval or knowledge, I reported it to the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: They put a promotion for my citi card is XXXX without any authorization they put XXXX interest on the card I asked them why did they added it and they told me a promotion that I never requested or signed for I asked for proof saying that i requested the promotion but they were denying me i wat to resolve this problem because there interest is too much for me I need a solution thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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: On XX/XX/2023, I paid {$5300.00} for two XXXX air conditioning condensers ( model XXXX XXXXXXXX ) using a CitiCard. At the time of the purchase I made arrangements with my installer, a regular customer of the AC seller, to pick up the units from the seller. After my installer went AWOL without having picked up the units from the seller, I called the seller to cancel the order and the seller agreed that they would not now release the units to the installer because the order was cancelled. However, the seller would not give me a refund ; bizarrely, the seller now claimed that the company policy was not to deal with the purchaser ( and only deal with the installer ). The seller advised me to seek redress by contacting Citi card to have the transaction voided, and my card credited. I made a formal request to Citi to credit my account for the merchandise that I did not receive but paid for. And I made sure to advise Citi that the merchandise still resided with the seller, as I confirmed with the seller over the phone and by email on XXXX XXXX. Citi responded by asking for a sales invoice as proof of purchase and/or confirmation of the lack-of-delivery/entitlement-to-a-refund. I explained to Citi that because I made a phone order, there WAS no invoice. I reminded Citi also I had indeed confirmed ( by the email that I had already shared with Citis investigator ) that the seller agreed to void the sale and hold onto the merchandise. I recommended that their investigator should simply call the seller to confirm : 1 ) that I used the Citicard for the purchase ; 2 ) that the order was canceled and ; 3 ) that my installer never picked up the units that I purchased. Bottom line : the seller held onto my purchase. I paid {$5300.00} that was never refunded and Citi failed in its duty sufficiently to investigate the claim on my behalf, looking to me as cardholder essentially to perform their investigation for them. Citi failed to credit my account by simply recovering the funds from the seller, AS THE SELLERS AGENT RECOMMENDED AS A SOLUTION. I am not now attaching documentation, since Citi has already collected that material and has it in its file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A