Date Received: 2023-03-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have tried for XXXX straight days to withdraw {$200000.00} from my money market and Citibank has refused to provide me access to my funds. They refused to wire my funds. Then they refused to close my account and send me a check. They then had to send me an ATM card to verify me. When I asked to just close my account since they would not do a wire and send me a check, they said it would take XXXX business days to do so. I have lost thousands of dollars as the 90 day XXXX continues to decline by their actions and I still do not have my money. Please help as this is criminal behavior to stop withdrawals from Citibank in light of the SVB crisis. They would not even provide names or supervisors for me. Just codes like XXXX and XXXX since their call centers are not based in the United States.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX I tried to find my flight information with XXXX XXXX. I could not find any recent emails from them within the past year. I called customer service, found my flight ad was given my log in information. Upon logging in, I discovered I had XXXX expired flight miles. I was asked to pay for the reinstatement of the flight miles. While on the phone wit the customer service person, XXXX XXXX informed me the way I could reinstate my miles were 1 ) to pay {$500.00} dollar 2 ) to find information for a flight taken in XXXX ( I did not fly XXXX in XXXX ), and 3 ) to sign up for the XXXX XXXX by Citibank. I was told if I signed up for the card, spend {$3000.00} in three months I would receive my points reinstate upon approval of the card and receive the XXXX bonus miles at the end of the 3 months. I applied for the card, was approved and later today checked to see my points balance was still XXXX and my points had not been reinstated. I reached out to customer service where I spoke via chat with XXXX. She informed me I had been misinformed and the credit card is in no way tied to my reinstatement of points. To be clear, I spoke with XXXX for over 30 minutes. I went through very carefully to make sure that my points would be reinstated as she claimed. I asked every question and had been given detailed answers. XXXX informed I would have to sign up for a loyalty point challenge or pay for my miles to be reinstated. I now have a credit card with an annual fee I don't want and still not the miles I had previously earned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: YOU BROKE THE LAW!!!! Pursuant to Title 15 U.S.C 1691 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Under Section ECOA 701 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. YOU CITIBANK BROKE THE LAW When you terminated the credit agreement between XXXX XXXX and CITIBANK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Didn't own that account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: My Wayfair Citibank had a charge of {$69.00} on the credit card from XX/XX/XXXX, and I contacted the credit card company on XX/XX/XXXX to dispute the charge. The fraud department cancelled the card and sent me a replacement card. However, they didn't reverse the charge for the investigation period. I continued to receive calls for the collection of the amount stated above. I explained to the customer service the situation that the charge was fraudulent and that the card was closed and reissued. The CS would try to put me in touch with the dispute department and it was either closed for the day or the call would accidentally be disconnected. This occurred several times. At some point, I requested that they stop calling me for this past due amount, however without fail, they continued to contact me as if no previous conversations had been documented in their system. A fresh conversation every time! I received a letter dated XX/XX/XXXX ( copy attached ) from Citi Cards, that indicated they would not be contacting me for this past due amount. However they continued to call me to collect the amount outstanding, including the late fees and interest. I received another letter dated, XX/XX/XXXX ( copy attached ) stating the account was past due and to make a payment. In addition to the letter, I received daily calls and some emails to collect the balance and to rate their service... On XX/XX/XXXX I had another conversation with CS who was contacting me for collections of this past due amount. I filed another dispute online, due to the Dispute department being closed for the day. Today, I received another call requesting payment as if nothing over the past month and half had taken place. The CS rep, XXXX read through the notes and put me in touch with the Disputing department. The person I spoke with, XXXX attempted to cancel the replacement card and reissue a new card. I explained to this person that, that had already occurred and she seemed dumbfounded. She put me on hold and came back to tell me that they would reverse the charge and late fees today. Unfortunately, I have XXXX confidence and don't believe they will resolve the matter or that they are capable to managing a credit card company. I expect I will receive another collection tomorrow, even thought they agreed to not contact me on XX/XX/XXXX. Hence the complaint!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Citi responded to a request from a total stranger to have them mail the person my credit card. Citi sent them my card and the stranger put {$2500.00} on my account at various stores in person between XX/XX/XXXX and XX/XX/2023. They gave the stranger full access to my online account as well. I filed a dispute with Citi on all the charges last month, but Citi then closed the dispute on XX/XX/XXXX stating that they could not get a hold of me for additional information. No attempts were made to contact me by phone, email or mail. They re-opened the account and now the stranger is back in it and I am completely helpless to stop what they're doing. I filed a report with the FBI as the police instructed as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citi-bank ( Sears ) Statement issued XX/XX/XXXX Balance remaining {$160.00}, of which {$130.00} was a previous promo expiring XX/XX/XXXX. Payment due XX/XX/XXXX. Payment of full balance paid XX/XX/XXXX. So my promo balance was paid within the time alloted for no interest. Convenience check issued XX/XX/XXXX. {$4800.00} + {$240.00} ( 5 % fee ). Received new statment. Shows full amount of past balance as XXXX. Shows the convenience check XX/XX/XXXX {$4800.00} Shows fee 5 % of {$240.00} Shows interest charged {$2.00} to regular purchases. Applied payment, not to my past balance, but only {$32.00} was applied to past purchase balance, not applied to the interest charged and {$130.00} was applied to the convenience check just issued. This means the {$130.00} is now subject to $ XXXX % interest. I contacted them, explaining the payment made and wanted to know why they are charging me interest. They said they can apply the payment wherever they wanted and they would not change how my payment was applied. The only recourse I have is to make payment in full for full balance or continue to be charged interest on the {$130.00} and interest on the interest because they apply all payments to the convenience check before anything else. I am now requesting that you look into this and please get them to apply my payment correctly?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Your " choices '' in the other category did not apply to me. I filed a complaint with the Comptroller of the Currency who referred me to file a complaint here. I am a XXXX XXXX XXXX and have been certified in the state of Florida for 30 years this XXXX. Approximately 15 years ago, Citibank , N.A . audited an appraisal and removed me from their list of appraisers. Essentially, I was blacklisted. This impacts my avenue of work as many mortgage firms sell their mortgages to Citi and their subsidiaries. I asked Citibank through the years about how I might be able to repair this problem ~ asking if I could take additional course work and the like. They have never responded to my requests. It is my understanding based on conversations with peers that I am not alone in this dilemma. At some point, shouldn't this " list '' be expunged or something? Am I to be held hostage for the rest of my working career by this company? I have no problems with any other lenders, and in 30 years of appraising, isn't that saying something? I really hope you can help, or direct me to someone who can. Respectfully, 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: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 at XXXXXXXX XXXX EDT, I called CC Customer Service to make a payment. Spoke with XXXX, no Agent ID is provided. I requested fund allocation in a specific way because there is no option to allocate the funds as needed on the CC website available. I specified and confirmed several times before the end of the call that my request is understood and will be completed as requested. I was assured that the payment will be allocated as I requested. The confirmation number is XXXX. Today, I checked the transaction and found out that the funds are not allocated as I requested. I paid {$500.00} toward two promotional charges that will expire on XX/XX/2023 : {$59.00} and {$440.00}. However, today I see that {$59.00} is zeroed out as I requested but {$440.00} is not, and accrues interest for each day the charge is not paid. The funds went toward regular, non-promotional charges, which I did not ask to do so. My due date is the 21st of each month and I specifically asked not to apply payment toward monthly payment because I will make another payment prior to the due date. The agent assured me that the funds will be allocated as I am requesting 100 %.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open a bank account online it was a joint account for me and my wife. So a week later I went to deposit a check issued from XXXX in my wife name we walk into the Citi bank branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny deposited the check at a teller because we didnt receive debit cards yet the teller started the process and then went and talk to the bank manger which seem weird then came back and started to have weird small talk 2 hrs after that my account I deposited the check in which was savings was blocked and my checking was account was closed so I called Citi bank got transferred to the fraud department so I asked whats going on with my account they stated that my check was fraud and the bank blocked my account not them so at this point the bank is closed so the next day as soon as the bank open Im there to figure out whats going on the manger looked surprised to see us there so I explained to her whats going on I stated what the fraud department told me and she like oh let me check we dont block accounts at the branch but they back office ( fraud department ) told me it was them so she then say the check couldnt be verified which they never tried to verify the day I deposited it because she mark it off as fraud but now Im there facing what she did she cant from her decision so the check ended up being verified and cleared oh wow now its not fraud what changed we where profiled and discriminated against because we was black coming into to this Indian people bank and thought I wasnt gon na make sure they do they job so my accounts where unblocked and all open back up she apologized many times stating they dont do business like this thats not how its supposed to go I ask for something in writing stating what went wrong she look nervous like we cant give you anything so the next day my checking a account is closed again smh I have screens shots of the process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A