Date Received: 2022-11-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for a checking and savings with Citibank and they called me the next day to verify my accounts and for some odd reason they done it one by one. Savings first and then checking. My savings went through so they called me back later to do the verification for the checking in which the representative barely spoke XXXX and input the wrong information on my credit verification and when I asked him about it and why he did he hung up the phone on me causing me to fail verification. I called back to get an explanation and everyone keeps saying they cant help me without a card number or account number in which they never gave me. They were so rude and mean about the situation and continued to hang up on me or transfer me to another recording or something that gave me no response. I have been trying to settle this situation with them for a week or more and I can never get help its always a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are seriously hurting peoples business with their ignorance and hate. I feel as I was XXXX against and they automatically didnt like me upon hearing my voice. Its impossible to speak with a respectful or helpful person. And I would advise everyone to never deal with this bank. Once they have your money they can do whatever and its no one to speak with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31707
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter dated XX/XX/2022 stating that Citi and/or XXXX is unilaterally revising my final closing disclosure without my consent. This is illegal and I never gave any consent to do so. I want compensation if they want to change the contract. They should not be allowed to change a legal contract unilaterally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The following is a timeline of my issue. XXXX I made a purchase at XXXX XXXX XXXX restaurant in the amount of {$41.00} I did not receive a bill thereafter. XXXX A late charge was issued for {$29.00}. DUE date XX/XX/ XXXX A late charge was issued for {$40.00}. DUE date XXXX I did not receive a bill. XXXX I received a letter indicating my payments were late. I immediately responded upon receiving the bill and on XXXX I contacted Citi and requested to pay the bill in full. I was informed by the representative the total bill was {$41.00} ( aside from late fees ) and at that time I requested that all of the late fees be waived and the representative agreed to refund them. It was my understand that on XX/XX/ all payments were satisfied and my account balance was XXXX. I requested a confirmation number and was told by the representative that they did not have a confirmation number to provide me however I will receive a letter in the mail. I never received a letter. XXXX I received a letter dated XXXX indicating that I needed to contact Citibank due to late payments. To my surprise I was shocked since I satisfied all payments on XX/XX/. I contacted Citi and was disconnected upon trying to explain the matter to the first representative. At approximately XXXX I called back and spoke with representative who identified himself as XXXX XXXX I tried to explain and gather information from XXXX regarding my account and explained my account should be XXXX balance however he explained that the late fees were only waived for 2 months and not 3. He explained that {$11.00}, {$19.00}, {$40.00} was refunded however he is not allowed to refund me any additional fees. he became frustrated as noted in his raised speech to me. I asked him to stop yelling at me but he continued. He stated I owed {$70.00}. I was confused as to how If I have not used the card for any purchases or withdrawals since XXXX It is clear that the representative I spoke and made the full payment with on XX/XX/ misled me to thinking that my total bill was satisfied on that day. I never received a bill in the mail or email to notify me that I owed any money yet Citi bank continued to charge me late fees. They seemed negligent in providing me with a bill. This has led to a decrease in my XXXX score and i kindly ask it be resolved. I have worked hard to keep a good credit score and understand how this act on behalf of Citibank and their staff is damaging. Furthermore I do not understand how I was only refunded {$11.00}, {$19.00}, {$40.00} - I was informed that all 3 late fees would be waived. late fees are {$40.00}. On the same day I contacted the rewards program to redeem them and upon attempting to confirm my address was given an address that is not my correct address. As a result on XX/XX/ I closed 2 of the 3 credit cards I have with Citi. I intend on closing the this card however would like to resolve this matter before doing so. Than you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/22, I called Macy 's credit card, which is Citibank, N.A., to make a payment on my account which had closed due to non-payment. I was told that a payment could not be made by phone or online. I had to mail it. The customer service representative gave me the mailing address, and on XX/XX/22, I overnighted a XXXXXXXX XXXX cashier 's check to the address provided by the rep through the USPS. The USPS delivery confirmation showed that the letter with my payment was delivered on XX/XX/22. I called Macy 's the following week, and they told me that the payment hadn't been received and that it could take a week before showing that it was received. The following week, I received a letter from Macy 's dated XX/XX/22 that said, " As of the date of this letter, we have not received your payment you referenced in your recent inquiry. If this information is incorrect, please follow directions below ... '' The directions in the letter told you how to send proof of your payment to Macy 's and included a fax number of where to send it. I called Macy 's that day and spoke to a rep who confirmed that proof of payment should be faxed to the number in the letter. On XX/XX/22, I called XXXX XXXX XXXXo see if my payment was received. XXXX said that the cashier 's check to Citibank , N.A . was cashed on XX/XX/22 and that I needed to go in person to their branch location to get a copy of the check. On XX/XX/22, I went to XXXXXXXX XXXX, and they gave me a copy of the cashier 's check showing that the check had been deposited by Citibank , N.A . They also faxed a copy of the deposited cashier 's check for me to Citibank to the fax number Macy 's said to fax it to in their XXXX letter. On XX/XX/22, I called Macy 's to follow-up to see if they received my faxed proof of payment. They said they did not and that I faxed it to the wrong number, even though the number to fax it to was specifically listed in their XX/XX/22 letter to me. I was given a new fax number and told to address my fax to Payment Investigation. On XX/XX/22, I faxed a copy of the deposited cashier 's check to the Payment XXXXnvestigation to the new fax number I was given. I called Macy 's on XX/XX/22 to see if they received my fax and payment, and they said they did not, which is why I'm now filing a complaint with the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear sir/madame, This is a follow up complaint -- the previous ones are XXXX, XXXX, XXXX. The last response to my complaint was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I do understand, as Citibank is an intermediate entity in this transaction, they cant provide information directly to me, but Citibank keeps being on a full mute and ignoring multiple recall requests and inquiries from XXXX and XXXX XXXX. I escalated this case to the Attorney General of New York XXXX, XXXX XXXX, and as suggested by her associate, attaching the response, also stating that Im adding new information. Her office is forwarding this correspondence to CFPB as well. Hope this will help to move the needle. Unfortunately, Citibank did nothing to resolve the situation and keeps ignoring multiple recall requests from XXXX and XXXX XXXX. Citibank keeps holding my well-earned money since XX/XX/XXXX, with no explanation. I really hope that the concept of private property still does exist. Despite also the fact, that the funds are not blocked by XXXX, and recent XXXX XXXX licenses : On XX/XX/XXXX, the XXXX Treasury XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) issued XXXX General License ( GL ) XXXX and GL XXXX. GL XXXX authorizes transactions related to pension payments to XXXX persons or non-U.S. persons not located in the XXXX XXXX that are normally prohibited by XXXX Order ( E.O. ) XXXX provided that the only involvement of blocked persons is the processing of funds by financial institutions blocked pursuant to XXXX. XXXX. GL XXXX authorizes the closing of an account of an individual, wherever located, who is not a blocked person held at financial institutions blocked pursuant to XXXX. XXXX. GL XXXX also permits the unblocking and lump sum transfer of all remaining funds and other assets in the account to the account holder, including to an account of the account holder held at a non-blocked financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank closed my account without giving me any reason. When I stop by the branch, I was told that I was trying to cash invalid checks which turned out to be legit checks from my employer. Citibank still closed my account and now bank is not releasing my fund immediately. I called multiple times and I was told to wait XXXX day to access my fund. Currently all my fund is stuck in the account and I am in dire need of cash immediately. Every-time I call, I was told same answer to wait XXXX days. I called atleast XXXX times and stopped by branch twice without any resolution. Account closed on XX/XX/2022 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60133
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In Accordance with the Fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Initially spoke to Citi on XX/XX/XXXX regarding non-fulfillment of the promotional bonus offered for opening a checking account, enrolling in the bonus offer and depositing and maintaining a balance of {$10000.00} for 60 days. I made sure the offer had been applied, and as you can see by the chat log attached and what the customer service rep confirmed, that all parts of the offer were fulfilled on my end as indicated below : Account was opened in XX/XX/XXXX with initial deposit of {$10000.00}. Minimum balance of XXXX USD was kept for 60 days until XX/XX/XXXX. Cash bonus was not deposited within 30 days as assured by the promotional offer. I have attached a conversation with the first customer service rep on XX/XX/XXXX. I contacted them through the phone various times on XX/XX/XXXX, then again the week of XX/XX/XXXX, and they " escalated '' the issue to the promotional team who said this would be resolved in the next XXXX business days. It never did and I did not receive a response. Today is XX/XX/XXXX which is roughly XXXX business days after. I have attached a copy of the promotional offer as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30041
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: went to check my account and found out that citi bank released my funds without my knowledge or permission to a person I do not know on XXXX in the amounts of XXXX and XXXX all on XXXX to a women name XXXX XXXX XXXX have no idea who she is or how she got Citi Bank to give her my money, I have filed a complaint with them but was denied but I filed an appeal have not heard back as of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
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 received a bill on XXXXXXXX XXXX XXXX showing two purchases on the XXXX and XXXX XXXX XXXXXXXX on bestbuy.com. I called best buy/Citibank ( XXXX department ) and reported that I did not made these purchases and requested to know what they were. I was informed they could not tell what they were, but they would file a fraud complain to investigate. I received a letter on XXXX stating they had investigated and I still have to pay. I called them back and talked to three different departments requesting what was purchased on the dates of XXXX and XXXXXXXX XXXX XXXXXXXX. They told me that there is no purchases done on those dates on my account! After talking to 4 different people and explaining that they cant charging me for something I didnt purchase without telling me what was purchased, they kept telling me I needed to call the XXXX department. I mentioned to them that I already did and they cant tell me either what was charged on my card on these days. So, now they are demanding I pay for two purchases I didnt make and treating me they will send my name to collection agencies if I dont pay. How am I supposed to pay for something I never did buy and there is no department within Best Buy that can tell me what was actually purchased with my card?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A