Date Received: 2022-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with Citi Bank and I have been having trouble getting my money I use my card every time its a fraud flag locking my card dropping my limit I change my phone number Sunday they told my they couldnt verify it they have my money and keep giving me run around like the are trying to keep my money i they are the fraud ones Ive seen so many comments about the same problem Im having with other customers also just because I change my phone number XXXX cant access my account or money and the agent lie about everything and catch them in lies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77803
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account get closed without any notice. I contact phone number on the back of my card today on XX/XX/2022. The agent tell me they didn't close the account but the citibank close my account. I also called the citibank but no one of the customer service have access to my account. So I don't know where to ask and how to resolve this issue. The agent from Shop Your Way Mastercard told me my account get closed on XX/XX/2022. But the card is still in use until XX/XX/2022. So there is pending transaction even after account closed. There was a remaining credit on my account. I need to wait a few days to get a check of refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: XXXX XXXXXXXX XXXX withdraws monies from my credit card for their virus protection software. The 3 computers that were protected by this software have all been disabled. I now use a product called XXXX XXXX XXXX I called XXXX XXXX XXXX and XXXX to have my automatic subscription cancelled. They assured me it was. It was not canceled! I called them again. I talked with XXXX XXXX. He assured me he would take care of it and gave me a conformation number : XXXX. I got another deduction to my credit card today for another subscription for the coming year. Can you help me get this stopped? XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
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: XXXX unauthorized charges took place on XX/XX/XXXX, XXXX {$1700.00} and XX/XX/2022, for {$850.00}. A car wash was purchased before the transaction at XXXX XXXX XXXX In XXXX. Citi Bank concluded that it was a valid charge because an authorized car wash was done before an unauthorized transaction at XXXX XXXX, which is located in the same city. When the investigation occurred, Citi Bank credited the account partially. It was never a full temporary refund credited. The entire time this account was open, Citi Bank was aware that the primary card was lost and the secondary card was the only card accessible on the bill. It wasn't a problem because the secondary card was ordered to help the authorized user establish credit. Citi Bank was also informed about a recent identity theft my family and I encountered. Citi Bank claims that they spoke to me about the investigation and that all phone calls are recorded. I would like for it to be forwarded to me as I would like to review it. As I mentioned to them, the car wash was authorized purchased, not enterprise. It was also said that I had done business with the merchant. I have attached the XXXX XXXX XXXX XXXX call and procedures about payment authorization. There was never a contract between myself or an authorized user on my account with the customer or XXXX. We have asked for a proper investigation of both XXXX and Citi Bank. XXXX stated they don't have any information for me or an authorized user in their system. Citi Bank HAS FAILED TO DO AN PROPER AND ACCURATE INVESTIGATION. IF CITI BANK FAILS TO COMPLY OR CONTINUES WITH INACCURATE INFORMATION, WE ARE CONTACTING THE STATE ATTORNEY 'S OFFICES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Citi Card Flex Loan terms. I had one Citi Flex Loan for 3 years at 5.99 %. Citi advertised that I could get another flex loan for 5 years at 6.99 %. I intended this to be a second loan not a replacement for an earlier flex loan. I was surprised by Citi when they sent me an email indicating that my first loan had been paid off. I assumed that the email was a mistake. I specifically had questioned the agent I dealt with on this matter, but he didn't disclose that this was a replacement loan not a second loan. The Citi phone menu system makes it nearly impossible to find a person to talk to about the Flex Loan program and when I did get connected to such a person they clearly were not a native, clear speaking agent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On or about XX/XX/2022 I was in Macy 's and made a purchase. I paid using my XXXX XXXX XXXX XXXX credit card. At no time during the checkout process did the store clerk ask me if I wanted to apply for a new credit card. Later that day when I was home I was alerted that Macy 's placed an inquiry on my XXXX credit report. I never authorized Macy 's to access my credit reports and this inquiry was thus made without permissible purpose, which is by law required. Further, Macy 's as of today has never sent me any notification about any credit application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXXXXXX XXXX XXXXXXXX CITI Bank with whom I was banking for 2 years decided to close my small business account. As this was my only business account and in order to keep the business alive and pay my employees and suppliers, I needed access to the funds as soon as possible and I called everyday CITI bank and asked them to expedite the closure so they can send the check faster to me. On the XXXXXXXX XXXX XXXXXXXX the total balance of {$510000.00} was withdrawn from my account, and subsequently I received a check in the order of my name, ( which is strange, I should've got one in the order of my company XXXX XXXX, as it was a business account ) in the sum of {$500000.00}, so {$3100.00} less then the total amount that was withdrawn. Moreover, after the XXXXXXXX XXXX XXXX additional funds were deposited in my account from some of my suppliers, that unfortunately updated their records of my banking details later than the date when they made the transfer. Specifically, {$2100.00} from XXXX XXXX {$440.00} & {$2300.00} from XXXX. These funds were on my balance until XXXX XXXX when they were again withdrawn by CITI. The check I received in the sum of {$500000.00} I tried to deposit on my new business account with XXXX XXXX XXXX. I wasn't able to do it as it was not in the name of my company but my personal name. So, I tried to deposit it on my personal account with XXXX XXXX XXXXXXXX on the XXXXXXXX XXXX XXXXXXXX. On the XXXX XXXX XXXXXXXX the check was rejected with the line " ITEM RETURN CHARGEBACK '' and XXXX XXXX XXXXXXXX informed me CITI bank has placed a STOP PAYMENT on this check. So now the check is not valid anymore. I called CITI on the XXXX to try to understand the situation but nothing clear was explained to me. And now I don't know what else to do, and need help! Total money that is owed to me by CITI BANK is {$510000.00}. I request this matter to be expedited and a NEW CHECK for the full sum of {$510000.00} to be mailed to me in the order of my company ( under which the account at CITI was opened ) XXXX XXXXXXXX, as a matter of urgency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My XXXX student loan to attend XXXX XXXX was serviced by Citibank from XXXX through XX/XX/XXXX. Am I eligible for a refund due to Citibank misleading me on minimum payment amounts? https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-citibank-student-loan-servicing-failures-harmed-borrowers/
Company Response:
State: CA
Zip: 94903
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. Inquires : 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 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: TX
Zip: 790XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
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: I purchased a laptop computer from Best Buy in XX/XX/2021 and it supposed to be delivered by XX/XX/2021. While I was at work I got text saying your package is delivered but I called roommate a the time and checked out and said there is no package. I contacted Best Buy support multiple times and they said they going to reship in first call after XXXX weeks I called again and they said we will refund however it so long and I went back to visit my parents. I got an email saying you have report to police. I filed dispute with Citi bank but I didnt got anything back. I did apply XXXX claim and they sent me a copy of signature just a dash that I didnt signed on it because I was working at the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55116
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A