Date Received: 2022-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a Citi Financial Credit Card/ co-branded XXXX credit card ( XXXX ), on XX/XX/2020. I used the card to make one purchase. Due to COVID and mail delays, I never received a statement nor knew that a payment was due. As soon as I was made aware that a late payment was due on XX/XX/2020, I paid the balance in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60487
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX Complaint for CitiBank, NA, Office of the President, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I sent letter On XXXX XXXX, to CitiBank, NA, Office of the President, In reference to account number XXXX, account ending in XXXX CitiBank, NA, Office of the President, as issuer of account failed to send proof .and failed to send proof of investigation and Lapsed 90 days, account unverifiable CitiBank XXXX NA, is responsible for account ending in XXXX, as issuer of account .not any other party Because CitiBank, NA issued account number XXXX, itself. Not a third party. This account is not mines .I have never been their client. CitiBank, NA failed to send strict proof of account investigation after 90 days period CitiBank, NA failed to send strict proof of account ending in XXXX Therefore Im requesting a letter of account close. CitiBank, NA account ending in XXXX, is an error. CitiBank, NA is inconsistent Please find enclose documents sent on XXXX XXXX to CitiBank, NA, Office of the President. never answer Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citi Accelerate High-Yield Savings on XX/XX/XXXX. I opened this account for a promotion that gives the consumer a cash bonus offer based on the amount of funds in the account. According to the confirmation email I received on XX/XX/XXXX for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer, the promotion provides a cash bonus based on depositing " New-to-Citibank Funds into your new savings account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum cash bonus ''. My email confirmation for enrolling also states " your Cash Bonus will be paid to your Savings Account within 90 days after you successfully complete all required activities. '' After not receiving the cash bonus, I called Citibank customer service on XX/XX/XXXX and the representative ( XXXX ) confirmed that I am entitled to receive a {$500.00} cash bonus and confirmed that all the requirements have been met. He said I should receive the bonus no later than XX/XX/XXXX and if I do not receive the funds by then, they would file a promotional dispute. He also provided me with a promotional code. After not receiving the funds by XX/XX/XXXX I called again on XX/XX/XXXX. The representative notified me that the code the previous representative provided did not work on their end and there was nothing else they could do for me to receive my promotion. Please note that the confirmation email I received after enrolling did not have a code- the only code I had was provided by the CitiBank representative on XX/XX/XXXX. I then talked to an account supervisor ( XXXX ) who notified me that she sent in a request for the bonus, however I have received no confirmation information or timeframe on when this might be resolved. I have still not received the funds and would this matter is resolved as soon as possible, as I can not access all my funds in my account while this is in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80110
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Hello, I recently have encountered an issue with Citi bank here, I recently had my direct deposit hit on XX/XX/18 I had enough funds to cover my payment to XXXX XXXX for XXXX however Citibank decided to return payment because my dispute was closed.which is not fair my credit dropped XXXX points thanks a lot Citi bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Ive been using my XXXX Citi Platinum card since 2001, its what Ive used for all my travel to and from work around the world and its also been my medium of exchange for all my domestic home needs. The very reason I got this card and used it exclusively for over 20 years now was to earn rewards points for my purchases, other people I worked with said the rewards were the best there is and I could never have imagined a stable company like XXXX XXXX XXXX would throw me out with the garbage, but thats exactly whats happening now. After all these years, XXXX XXXX XXXX, Chief Executive Officer Citi, informed me with an email that my XXXX XXXX XXXX card was never eligible for rewards/ Points of any kind. Here is a web page showing that this is completely false https : XXXX. On this web page both XXXX and XXXXXXXX XXXX are honoring themselves for their long history of rewarding us for everyday purchases and further fostering long-term loyalty. Including 2X ThankYou Points per {$1.00} spent on eligible retail and travel purchases and 2X ThankYou Points on products and services purchased directly from AT & T. In addition, card members can continue to redeem their ThankYou Points for almost anythinggift cards, travel rewards, electronics and much more. I now realize that as a card user I have little to no proof because these giants sit atop all the small print and leave me with nothing more than their broken promises.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The complaint is in reference to my Macy 's credit card I've had for over a decade. I have had several issues with receiving statements and letters in English versus XXXX so I can not read them. English is my primary language and I do not know XXXX. When I go into my account and change my preferred language, it will revert back to XXXX. On XX/XX/2022, {$71.00} was changed on my credit card and because there wasn't a balance due, the system wouldn't allow me to immediately pay for the purchase a couple of days afterwards so I waited until I've received monthly statement. The issue is I wasn't properly notified because all the monthly statements and letters were all in XXXX I was unable to read them. I was able to translate the last letter received from XXXX to English via XXXX site to understand the letter details and immediately paid the past due amount off. I've called Macy 's earlier today ( XXXX on XX/XX/2022 ) and the agent, XXXX, was not helpful. He stated that the credit team was gone for the day, then said they did not come in due to a holiday, and refused to disclose their hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022, I redeemed my Citi thank you rewards point to purchase 2 of the {$50.00} XXXX XXXX XXXX cards and the Gift cards I received had {$0.00} balance as soon as I received them, I called the customer service helpline immediately and spoke with a representative who was able to check everything and informed me that there was some technical issue and he can see there is no balance on the cards which they have sent. Then he said he is going to resend me the cards and then puts me on 30-40 mins long hold and after being on the call for almost 90 mins he informed me that he has created a case and someone from back end are going to resend those gift cards in 24-48 hours. After waiting for 2-3 days when I didn't get any updates I contacted back and spoke with supervisor named XXXX and informed her about the situation with the case # XXXX, Once again after waiting for a while she tells me that I need to wait 5 days until XXXX XXXX, and I will be provided with a resolution by then. Once again the Friday XXXX passed by and I still didn't hear back anything and when I called back for the update they had no updates but just keep giving me run around for the issue and told me that I would need to wait 20 days to get the update on this case, I also requested to speak with a manager and was told someone is going to call me back in 24-48 hours but no manager ever called me back. I waited for 20 days like they asked even though they keep giving me the run around and every time I will talk to someone, they tell me another random date they can make it up to get rid of the call but even now given the 20 days have passed I have not been provided any help and now when I call them, they say it's 20 business days I need to wait. Given the circumstances and after keep getting several misleading information, On XX/XX/XXXX I contacted the Citi executive escalation department with case # XXXX and was told to provide a resolution in 15 calendar days. The representative " XXXX '' who contacted me regarding this from escalation was also very unprofessional and first she said she is going to try to resolve my case and give me call back in couple of hours with resolution but then when calls me back she told me that she needs more that which once again I allowed her more time as she requested and also provided her the evidences she requested but the after few days she calls me back and has different story that the previous department I spoke with they are still working on the case and they don't have any update or resolution at the moment. I am a Citi priority member and the amount of time and efforts they have made me waste on this is unbelievable and I can't even imagine that how unprofessional their escalation department is not only they provide is false information and play these games to try to get rid of the calls but also do not work in good faith to address the customer complaints. I requested them to hear the call recordings multiple times, but no one ever even acknowledged or apologies for what they have put me through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 789XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: I opened a complaint under the number XXXX previously before. The company did respond by XX/XX/22, but said it needed further processing which could take up to 90 days. I had to reach out to them XX/XX/22 about how they still haven't responded back even past their 90 day window. They replied back XX/XX/22 only reply they are unable to assist me and I have to again resolve it with the seller which was a scam and never got any item now refund for my transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I filed a complaint in XXXX of this year, I was told I would receive the bonus check that Citi bank owed me. Until today I received Nothing!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91780
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2022 my Savings account got fraud bad check deposited and took {$200.00} out.. so Citibank blocked my savings which is good but holding my remaining check from my employment direct deposit of {$1100.00} that they on hold processing to be mailed to me..But I been told they have to wait 60 days which is bull crap.. Cause it's holding up my bills and rent cause there time ranges. I have called almost every week trying to get this expedited and get people that can't understand XXXX and not very helpful. Deposit risk department told me, a different area has the check but won't release it and close out my account. All I want is my employment check mailed or XXXX to me ASAP. They already blocked me from reading messages from them or even looking at acct.. I want it closed today and check mailed to me. Please assist and have them process today. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77340
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A