Date Received: 2022-12-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: When I contacted CitiBank on XX/XX/XXXX for their promotion, I was informed that I would have 0 % APR for 12 months and 0 % APR for balance transfers for 21 months. However, I check my account and reached out to CitiBank today ( XX/XX/XXXX ) and was instructed that I didnt receive the 0 % APR for purchases and it only applied to balance transfers. If you go to their website you will find that the CitiBank Simplicity card offers 0 % APR for purchases and balance transfers. I applied over the phone the on XX/XX/XXXX and was informed I would have both and I have spoken with another customer service representative and was instructed that I had until XX/XX/XXXX. When I called today XXXX stated I didnt have it and their was no one else to assist me and no calls could be pulled. XXXX call reference # XXXX would not allow me to speak with a supervisor and/or manger and stated no would could help me. Also, XXXX reference # XXXX informed me that he was unable to find my promotion and no one else could assist me with finding it. I was informed more than once that I had 0 % XXXX by a representative and no one will help me pull the call to hear what I signed up for. Could someone please HELP me or make sure that they stop misleading information? I should have never done my application over the phone and I have learned a valuable lesson. Thank you! XXXX XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To Whom Can Assist ; I have auto-enrolled in my credit card statement balance being paid in full. They continue to take credits from the month ahead until the payment is made. The problem is, they will still show those credits in the next statement, even if they are not available. Can you tell me if this is legal? I'm not able to keep track of what they are doing, and I've requested pay statement total in full. How do they get away with not doing exactly that? When I've reached out to the credit card company, they tell me this is what consumers prefer. Shouldn't those credits be moved if they do it this way, so that we can both track what is being done? You can see in my file the previous balance pulls the credits from the current month. And the current month credits are not taken in the month they are credited. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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: XX/XX/22 : Purchase made from XXXX XXXX XXXX FL for a water cruise. Since the weather was bad at the location, cruise guide at the location tried to call the operator, but operator did not respond. Next day, the operator offered credit for another cruise another day. Since we were on vacation and could not accommodate the time another day asked for a refund. They refused. XX/XX/22 : Opened a dispute with Citi XXXX- the credit card company XX/XX/22 : Merchant responded stating they are third party and just does the billing and not responsible for the refund and contact the operator. XX/XX/22 : City card decided customer ( that is myself ) responsible for the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted Citi Bank XXXX everywhere and also XXXX XXXX they have constantly harassed me I have to call month after month and I am getting sick from it I have an XXXX XXXX that I need to avoid stress as much as possible and they keep stressing me out because nothing gets resolved, I pay my bills on time so I dont have to get stressed out about bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was with XXXX XXXX for 3 1/2 years! They sent me documentation that this debt was paid or settle! I think Citi Bank is trying to double dip! I'm a XXXX XXXX XXXX on a fixed income!, and tried in good faith durning my time of hardship!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Thursday, XX/XX/XXXX at XXXX PM Receive two text messages from XXXX XXXX XXXX about charges on my credit card. Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX, XXXX for {$0.00} without the card present. Reply STOP to opt out. Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX. XXXX for {$20.00} without the card present. Reply STOP to opt out. Thursday, XX/XX/XXXX at XXXX PM Call customer service phone number ( XXXX ) on back of card to let them know those were not my charges. XXXX XXXX ID # XXXX said he did not see any such charges and the text was probably spam. Friday, XX/XX/XXXX morning Log onto my XXXX credit card account to see how much of a credit ( - {$17.00} ) I have and then see that they allowed the {$20.00} transaction to go through. My {$17.00} credit is no longer available to use during the holidays. Friday, XX/XX/XXXX at XXXX AM Call customer service phone number ( XXXX ) spoke with XXXX ID # XXXX asked her why the charge went through. She didnt know but they would do an investigation and I would get my credit in 2-3 billing cycles. I asked to speak with a supervisor, XXXX ID # XXXX, she told me the same thing, they would do an investigation and I would get my credit in 2-3 billing cycles. Why do I have to wait to use my credit of {$17.00} because they allowed a fraudulent, unauthorized charge to go through? And then wait 2-3 billing cycles to get my credit back! I asked them to cancel my credit card account because they dont follow security protocol and Im paying for their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I applied for credit card at best buy I was denied for card I applied for got determination letter saying I didn't qualify for then a couple weeks later I was sent a lower card I qualify for in witch I didn't apply for but I thought about it ok it's less of XXXX I applied for but then when I received it in I never thought a card was coming after denial letter so I opened it and called to activate it my information didn't match so they transferred me to someone I thought would help me but keep getting the run around asking me for personal information I didn't feel comfortable giving nothing but wrong information steady tried to get personal information I tried to tell them why should I tell you that if not needed to access this account nothing matches I gave them information on bill I got for a card I never activated gave account number on a bill I got still couldn't help me steady asking for personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I tried to transfer money from my Citi savings to my external account at XXXX on XX/XX/XXXX. The XXXX account has been on file for years and was the account I originally funded the citi account with. I had massive problems logging into Citi 's platform when trying to do this. Couldn't log in on my phone, XXXX, desktop, or laptop. Had to reset password a few times and get security codes. I'm assuming this looked like fraud, but it was me just trying to access my funds. Citi put a hold on my account and I called them. They gave me a total runaround on the phone, saying " someone will look into this and call you back ''. Nobody called me back. I tried to log in today XX/XX/XXXX and now I'm locked out and someone on the phone said my account has been closed and I'll get my money in XXXX days! Unacceptable. That's my money. Nobody will tell me anything. If they want to close the relationship, that's fine. But you don't get to keep the money for XXXX days. Also, nobody would tell me what the status of my credit card account with Citi was. It's just super shady. Please help me understand what is going on and help me get MY money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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: The credit card company has failed to assist me in a dispute regarding an unauthorized charge to my account and in doing so has continued collection efforts, reported missed payments to the credit bureau ( s ) and allowed my account balance to increase with the erroneous charges. Subsequently, my account has been closed. I have disputed the information with the credit bureau ( s ), and the credit card company updated and verified the fraudulent charges in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Good day, I sent the payment of {$700.00} through online bill pay from XXXX XXXX and the payment was sent on XX/XX/XXXX to XXXX XXXX. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX XXXX XXXX, which transferred to citi in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current XXXX XXXX account which is XXXX XXXX XXXX said call Citi, and citi said call XXXX XXXX. Citi said since XXXX years ago, they can no longer check former XXXX XXXX XXXX accounts. XXXX XXXX said they can no longer check any XXXX account formerly by XXXX XXXX. In early XXXX, I went to the XXXX XXXX, i spoke with many different representatives from both XXXX XXXX and XXXX Citi Cards including supervisors, and opened disputes. All disputes were closed without any resolution. Both financial institutions pointing at each other to contact. Then I spoke with XXXX XXXX dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXX XXXX but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and Supervisor name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from XXXX XXXX stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called XXXX XXXX again and XXXX representative was very impatient with me stating i have to have my financial institution ( XXXX XXXX ) send in writing to return the payment. Another representative said i have to contact Citi bank. I am being circled around and meawhile {$700.00} is lost and XXXX XXXX can not retract it, can not recall payment, XXXX XXXX can not and stating call Citi and Citi said call XXXX XXXX. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A