Date Received: 2023-03-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: While checking my AT & T Universal Citi Bank Master Card online account, I found 12 charges totaling {$3500.00} that were not my charges. Me and my wife have these cards and no one else. We have both had them in our possession and no one else had access to them. All of these charges were at several different XXXX XXXX XXXX around the XXXX XXXX area. Neither me or my wife have been to the XXXX XXXX area in several years and have never been to any of these XXXX XXXX XXXX I contacted the Master Card Citi Bank Security and reported the charges. While making contact I found that my Security Code acces name had been changed which I did not do. I also found that a new address and phone number had been added to my personal information. This also was not changes that I had made. The address that had been added was in XXXX XXXX which is near XXXX XXXX and where some of the charges had been made, at the XXXX XXXX XXXX XXXX. I told the security people that the security code, address and phone number was not mine and to remove them. They cancelled my card and issued a new one. After receiving my new cards, a few days later I activated them and later checked my online account and found that four charges had already been put on my account that was not mine. Charges totaled {$1200.00}. These charges were made before I activavated my cards. Again, me and my wife had the cards continuously and had neither been around the area where the charges were made. I again contacted the credit card security to report the charges and found that the bogus security code had not been removed. Also the XXXX XXXX address and phone number was still there. After security cancelled my old card and issued a new one, they forgot to remove the information that had been added by the thief. When they mailed out new cards, 2 cards came to my address and one went to the thief 's XXXX XXXX address. I stayed on the line with security until they could tell me that the bogus information had been removed. They insured me that I would not be held responsible for any charges that were not mine. My next contact with Security was when they advised me that I would be responsible for paying for the charges because they found that the charges were made with a computer chip in our credit card which is my responsibility. I told them that it was likely that a chip in a credit card did make the charges as they mailed the thief a credit card on my account. They seemed to have difficulty connecting the credit card being sent to the thief and my credit card chip being used to make the charges, or possibly didn ; t want to address sending the thief a card. My next two contacts with Security remained that I would still be responsible for paying for the charges as their investigation revealded no fraud. I have no intention of paying for any fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78102
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Citibank Visa is charging a 29.99 % interest rate. Which regulator is allowing this? Outrageous interest and is approaching XXXX. This needs to stop. The bank is also charging " trailing interest '' which allows them to charge additional interest after a consumer has paid the balance. Again, either the banking regulators are allowing this, or perhaps just asleep at the switch. Since this card is directly linked to costco, we need to understand if this high interest is benefitting costco, by making it harder for people to pay off their balance for buying food.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citibank Checking account in response to its online offer of {$400.00} bonus on XX/XX/XXXX and deposited {$15000.00} to be eligible for this bonus. However, the {$400.00} bonus has never come. I opened this account over the phone with a Citibank staff on XX/XX/XXXX and deposited {$15000.00} by XX/XX/XXXX to meet Citibank 's 30 day funding requirement. But the bonus did not come. So I called Citibank around XXXX XXXX on XX/XX/XXXX to trace it. Citibank 's staff confirmed that I have met all the promotion requirements and the bonus should have been credited by XX/XX/XXXX. She explained that due to a heavy back log on the account opening bonus issues, Citibank did not credit it accordingly. She said Citibank will need a week to give me a response. She gave me a case # XXXX and said Citibank will finish the investigation and get back to me in a week. But the response never came. So I called around XXXX XXXX on XX/XX/XXXX again and got a Citibank supervisor on the phone. I was shocked to hear from this supervisor that Citibank has no record that I called Citibank before for the missing bonus even though there is a case # provided by the previous Citibank staff. This supervisor gave me a reference # XXXX and said it will take Citibank up to 30 calendar days to finish the investigation. When I opened my account over the phone, Citibank staff confirmed that I was enrolled in the promotion offer of {$400.00} if I deposited {$15000.00} within 30 days. " The bonus will be paid to your checking account within 90 days. '' It's been over 6 months since I opened my account, but no bonus has been paid to my account. Citibank should honor its online promotion offer and pay me the {$400.00} as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I disabled autopay on Citi Bank app. Citi Bank has continued to charge my bank account. I called them, they said I was authorizing charges online, I clarified situation and asked for their support in ensuring this no longer happens. They said that they cleared everything on their end. I just received a letter stating that I authorized {$280.00} and that they will charge this account to my bank account tomorrow unless I called before XXXX today. I just opened the letter. I feel there is no way to stop Citi Bank from continuing to doing this every month unless a higher authority intervenes. This is illegal. I am currently facing hardship due to health issues and I am in the process ( unfortunately ) of filing for bankruptcy. 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: 92592
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with Citi on XXXX XXXX. An adverse action was made against me by this corporation, pursuant to 15 USC 1681m. 15 USC 1681m only mentions a denial of employement not credit. I was violated as a consumer because I am the original person/organization who extends the credit according to,15 USC 1602e and 15 USC 1602g. Also Citi and XXXX are in violation of the Gramm-Leach-Bliley Act. I was never given a privacy notice or a opt-out notice from either corporation. I never gave either company permisssion to disclose my non-public personal information ( NPI ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citi Bank first notified me that it would close all my bank accounts on XX/XX/2022. I called the number Citi gave me for the reason of account closing, and was told that the decision was made by the branch. I went to the Citi local branch, but the branch has no clue. Then Cit closed all my credit accounts on XX/XX/2022 without prior notification. I learned this because I used Citi credit card as my default card to pay online order of medication, and I did not get my medication on time, and then I found out that the card was inactive. with prior notification. Citi nullified all my reward cash and points. I called Citi multiple times, but they did not explain to me why they closed my accounts. I also asked that Citi reimbues me all my earned reward cash and points, but Citi refused my request. I then wrote to Citi address in their account closing, inquiring the account closing reason. Citi told me that it did not receive my letter. I then contacted Cito executive office. It replied that it had already notified me on XX/XX/2022. I responded by telling it that XX/XX/2022 notice was for banking accounts not for credit accounts. ( Indeed, when I went to Cito branch to close my bank account at the end of XX/XX/2022, the clerk did not mention at all that Citi would close my credit accounts. ) I also attached a copy of letter I sent to the email ( to the Executive office ), asking Cit to send the credit card account closing reason. Citi did not bother to read the attachment, keeping saying that it had already responded to my inquiry. Up to this point, I still don't know the reason that Citi decided to close my credit card accounts. I ask the following from Citi. ( 1 ) Inform me the reason that it closed my credit card accounts. ( 2 ) Reimburse me the reward cash and points I had earned on my cards. Citi 's behavior of closing my credit card accounts was unprofessional and even life threatening -- I did not get my medication on time because I did not know in advance that Citi would close my credit card accounts while Citi card was set as a default payment. I wish that CFPB will investigate such behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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 has owed me over XXXX dollars from fraudulent charges for months. I called them and alerted them to both issues. They have closed the dispute My card was used in an online fraud scam and they said not to worry, but have now charged back a XXXX charge to my account. There was also a billing dispute where I submitted evidence of a XXXX over charge that has not been resolved. Below is the letter I wrote to citi after hours on the phone with them. I have received no response. They refuse to resolve this and in addition have refused to resolve an issue where a XXXX unauthorized fraudulent charge on my account. I am writing to resolve a billing issue with XXXX XXXX XXXX Dispute ID - XXXX ). This company has demonstrated predatory business practices with me and are unwilling to resolve their mistake. I am attaching a screenshot involving the order in question from XXXX. I had used a promotion code that they sent to my email, this promotion code took the cost of an order from {$300.00} to {$120.00}. When I paid with my double cash credit card I authorized the purchase total of {$120.00}. The issue arose a few days later when I noticed I had actually been charged over {$300.00} for this order. I noticed and got in touch with XXXX immediately. They refused to acknowledge the error had taken place, regardless of the screenshot I had provided. I was on the phone with them for over an hour and no one would take responsibility for a simple mistake. They hung up on me and closed my account before I could access any invoices or other proof of their predatory business practices. Their business model revolves around promotions to get customers back, this is exactly what I did. They ended up charging me for an amount I did not authorize. I wouldn't have known they charged me that amount if I had not checked my recent transactions on my Citi App. Thank you for taking the time to help me resolve this issue. As a customer my whole adult life, I have always enjoyed knowing that my finances are secure and in good hands with Citi, and look forward to continuing feeling that way about your company. Let me know if there is anything else I can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiries on my report from XXXX on XX/XX/2023 and XXXX XX/XX/2023 that are not mine. I do not live in Ohio nor have I attempted to obtain retail credit with either of these businesses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My 2023 Credit Card Reward Certificate in the amount of {$390.00} became available XX/XX/2023. As the amount was above {$300.00} I was given the option to direct deposit this amount to one of my checking accounts. XX/XX/2023 I elected the direct deposit option but was given an error message. The system incorrectly shows that my certificate was redeemed XXXXThe funds to date have not been deposit into my account. I have called 8+ times and spoken to multiple people to try a remedy the situation with Citibank however each person I speak to says that there is a known issue and that it should be deposit in my account 3-5 business days. As I have gotten this answer multiple times and the funds have not been deposited in my account to date I requested that I be allowed to redeem my certificate at Costco Wearhouses directly as it is the other option. Citibank has refused this option as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A