Date Received: 2023-03-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for the Citibank New Customer Bonus. I opened the account on XX/XX/XXXX. My accounts were fully funded to meet the {$1000.00} bonus by XX/XX/XXXX ( within the 20 day window requirement ). The link that describes the promotion is here : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I have not withdrawn any money from any of my accounts ( have both the checking and savings ). There is a balance over $ XXXX in them currently, which is the threshold to receive the {$1000.00}. I have contacted them twice, given the Reference number of XXXX. The first representative said that my bonus was " attached '' but not " registered ''. I did register it and have a partial copy of my chat transcript on XX/XX/XXXX to make sure that there was nothing else I should do but keep the money in for at least 60 days and then within 30 days I will receive my bonus. They base this on the balance on the 21st day. So, in total, after 111 days, I should receive my bonus. The customer service agent in early XXXX told me that it was a glitch on their end because I signed up for it online. The second customer service agent on XX/XX/XXXX said that an investigative " team '' is still checking on it. Both XXXX XXXX told me that I would receive a letter in the mail explaining everything and I have not yet received that letter -- or my bonus that is due. This customer bonus is still active and is running through XX/XX/XXXX. I am afraid they will drag their feet and then tell me that the promotion has expired. There seems to be no one else I can contact to get this solved as I keep getting passed to a different customer service agent that can not speak XXXX very well. Please help. I have referred others to this promotion and now feel I have set them up for the same frustration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: My XXXX transfer from XXXX in the amount of USD XXXX from my account XXXX in XXXX XXXX to account XXXX in Citi Bank XXXX XXXX has been rejected. Its been sent back to a correspondent bank CITI Bank NA and it is being held there for over 10 months now undeclared, not reported to XXXX as blocked and not accounted for to the remitting bank which makes it impossible for me to apply for XXXX license. It is now over 10 months that I am not receiving any information with regards to my funds. Even to track the funds I had to get multiple XXXX and reports from remitting bank to figure out the location, as CITI bank NA would not communicate to any of the involve parties ignoring all and any inquiry. They keep my funds unlawfully for over 10 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The approximate dates on when I had enough of Citi Band Credit Card is XXXX XXXX XXXX XXXX XXXX Credit card gets declined at certain places although credit is available. They place a hold on your account claiming they can't verify you. Issues with verification Can't make payments or check balances The company must send a code to your phone, call you and send a letter to verify it's you to take hold off of the account. Representatives claim they are trying to verify you and if they can't they claim fraud and this delays the process of having access to your account. They claim this is to help protect you. This happens too often and is very stressful and embarrassing. I don't experience this type of service with any of my other credit cards. I check my accounts regularly. If there are unapproved transactions on my account, I can contact the company immediately myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi Bank High Yield Savings Accelerate Account Credit Card Account On XX/XX/XXXX, I tried to log into my account and it was unsuccessful. I assumed the online site was down so I tried to log in again on XX/XX/XXXX. I was unable to log in again and I had received an email from Citi bank saying my high yield savings account ( and any other citi account ) would be closed within 60 days. The email said I had violated the terms per client manual, on the HYS account. So, I called the number XXXX option 4 as provided in the email if I had any questions. I spoke to a representative. The representative said that she had no information she could give me and she transferred me to another department. I spoke with another representative who looked into account. She said I was blocked any access to my account, and repeated details of what the email had said. I explained that Ive only had the account opened for 2 months. At which she responded that my account was under investigation, and hung up on me. I do not understand why my account was closed to begin with as I have not overdrawn or let dormant. I have read through the client manual multiple times and have not been able to find any violation, that would have gotten my accounts closed. Another problem is, since I have been blocked from my account, I am worried about the time frame I receive my money back. I also can not check to make sure the address they have on file is correct. The email I received is as follows XXXX We periodically review customer accounts and assess account activity. Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result, your Citi ( R ) Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. Please note that credits may be applied to the account to satisfy an overdraft. If we are unable to apply the credit to an active account, the credit is unable to be returned to the sender. Immediately cancel any automatic deposits or recurring transactions from your account ( s ) ( including direct deposit and monthly auto-billing ). Please stop all ATM/debit card activity - your card is no longer active. If you have a linked Checking Plus account, the closure of your checking account is a term of default under your Checking Plus agreement. Therefore, in accordance with the terms of your Checking Plus agreement, we will also be closing your Checking Plus account and you will no longer be able to take loans from the account nor will it be available to cover overdrafts. If you have an outstanding balance on your Checking Plus Line of Credit, you will continue to receive statements and are expected to continue to make payments in accordance with the terms of your Checking Plus Account Agreement. If you'd like to discuss this matter further, please call us at XXXX, Option 4, Monday - Friday, XXXX XXXX - XXXX XXXX, and Saturday - Sunday, XXXX XXXX - XXXX XXXX, ET ( TTY : XXXX for hearing and speech impaired services only ) to speak with an agent that can help you with your Citi accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Unexpectedly, in XXXX of 2023, instead of adding interest to my account each month, Citi Financial charged more than XXXX dollars in interest putting me XXXX over the limit. It then charged our family bank account XXXX dollars to cover the penalty with no warning. I was not anticipating going from XXXX dollars payments per month to XXXX nor having XXXX dollars interest over the credit limit slapped on in one month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50125
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
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/2022, I purchased an XXXX XXXX I didn't like it called Best Buy on XX/XX/XXXX to say I was not happy and was returning tv, it was picked on XX/XX/XXXX by a person named XXXX did not give me a receipt he said I would get an email, which never arrived since then I made a dispute with Best Buy and Citi Bank, called almost weekly. Now it's affecting my credit.What a nightmare will not shop at XXXX again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see attachments. The information being reported by all of these bureaus is inaccurate and needs to be corrected. They claim to have contacted you and that you verified this as accurate. I know it's not accurate and you should too. I am hereby demanding this be immediately corrected by you. If it is not I will not hesitate to include you in the law suit against all 3 bureaus! I will also go public with the law suit! Anyone else having issues with you too will be able to take legal action too. The bureaus are notorious for constantly creating these types of errors then refusing to correct them. I'm sick of it and am not afraid to sue all of you for violating the Fair Credit Reporting Act laws! The bureaus do it all the time. YOU should not be doing this!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Home Depo is still reporting Incorrect High Balance History and Inconsistent Dispute Responses to the Credit Reporting Agencies. They claim they are not in their XX/XX/XXXX response to my CFPB COMPLAINT. ( See attached Screenshot of my XXXX Online Dispute Results ) I was advised by an XXXX Representative that as of XX/XX/XXXX, the Home Depot Account was being processed to be DELETED from my Credit Report by all Credit Reporting Agencies. ( See attached XXXX Report awaiting Deletion beginning XX/XX/XXXX ) Citi Bank also admitted in their XX/XX/XXXX letter of Response to the CFPB that Home Depo did not provide them Documentation during the Investigation Period ( 2 Billing Cycles ) of my XX/XX/XXXX Dispute. They also admitted in the above mentioned letter that 4 Billing Cycles later, they Charged me again for that same Disputed Purchase of {$2900.00}. This is a breach in their Credit Card Contract Regarding the Dispute Process. They continued to Bill me for the Disputed amount with Interest, and Included it in my Total Balance, therefore Reporting Incorrect Information to the Credit Bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Citi Card Being reporting with the incorrect limit Not {$8600.00}. Correct limit is {$10000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Annual fee for the Citi Premier card posted on XX/XX/XXXX for {$95.00} for second year of card ownership. I called Citi in EARLY XXXX within days of the annual fee posting to downgrade my card to a {$0.00} annual fee Citi Custom Cash card and was told that I would be getting a FULL refund of the annual fee. That was not the case as I was only recently credited the amount of {$79.00} on XX/XX/2023, MONTHS after the fee posted. This is contrary to what was promised, and I should be owed {$15.00} plus interest as Citi had held the funds for nearly two months. This is unacceptable and deceptive business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A