Date Received: 2022-11-23
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 disputed and the XXXX sent letter to CitiCard for explanation. The document show " Offer type '' XXXX, XXXX, however both Citicard and XXXX still charged me {$57.00}. Here is the problem : -- -- -- -- -- -- -- -- -- XXXX azure advertise " free Text to speech if open account with them '' or {$200.00} credit. I opened an account and testing on XXXX " Text to speech app ''.. However, they charged me to total $ XXXX {$21.00}. As soon as I realized the first {$35.00} charged on XXXX XX/XX/2022 I cancelled the account and disputed. The dispute is unsuccessful ; my Citibank credit card still accept the cost. XXXX XXXX continued the second charge {$21.00} on XXXX XX/XX/2022. I believe it is unfair and misleading adv. Please investigate to protect other consumers from XXXX XXXX at XXXX XXXX XXXX, specifically for their misleading advs such as XXXX Acounts and XXXX other services free always ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Dear Sirs, I opened a Citi XXXX XXXX XXXX account. This card offered a 19.74 % promotional rate for the card. The consumer would receive XXXX miles for spending an amount of {$3500.00} before XX/XX/2022. I met the goals to obtained the miles. I was approved for this card on XX/XX/2022. I received the credit card in XX/XX/2022. My due date on the card is the XXXX of each month. I have paid XX/XX/2022 {$500.00}, XX/XX/2022 {$300.00}, XX/XX/2022 {$460.00}, XX/XX/2022 {$600.00}, XX/XX/2022 {$560.00}, XX/XX/2022 {$560.00}. I always pay before the XXXX of each month. The Citi rep stated that, I could lower my APR and interest by deferring some of my purchases with a lower rate Then my current interest rate of 28.74 %. I was shocked. The Citiflex plan rate was {$27.00}.. I questioned why my APR was so high. I didn't get a straight confirmed answer. Please note to obtain this credit card you needed a minimum credit score of XXXX or higher. I have been traveling out of the country. Citi card is aware of the location. The payment on XX/XX/2022 didn't clear my bank. I didn't understand why .I called a representative to give them the debt card from that checking account on XX/XX/2022 so, that my credit payment could be deducted immediately. I received a email from Citi XXXX on XX/XX/2022 that the payment returned which, I informed them initially on XX/XX/2022 that it would per our recorded conversations. I rectified the issue immediately before the XX/XX/2022 email.. I contacted Citi XXXX on XX/XX/2022 to inquire as to why they closed my account. They stated because of my late payment. I told them that I contacted you about the initial payments made. The email generated on XX/XX/2022 requested I make another payment. The representative stated that I should've been alright. I'm out of the country. I need my card for the miles and business. My credit is prestine. I have contacted Citi XXXX to give me a copy of the service agreement today on XX/XX/2022 to confirm the verbiage that indicates the reasons how they have a right to close my account .They wouldn't mail or email the information. My payment history is great. My credit is prestine. I only have this credit card. I don't carry debt. I'm requesting your assistance to having my credit card reopened and my interest rate lowered. If my credit score has dropped from XXXX until now it's do to my credit card being closed. I'm a mortgage consultant. I know how the credit scores work and surely don't have a lot debt. I truly appreciate all of your help in assisting me to resolve this matter. Best Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: APPLIED FOR CITI CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Payoff letter was requested from Citibank. House was sold and closing date was XX/XX/2022 Payoff check was sent on XX/XX/XXXX and received XX/XX/XXXX. Check was cashed on XX/XX/2022. As of XX/XX/2022 Citibank had not pasted the payment nor have they relieved me of the debt. I have been calling them since XX/XX/XXXX to straighten this out and they have failed to do so. They have also refused my demand to reach out to me. I demand an immediate release from this obligation. They have had the check for over 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Money was not available when promised
Subissue:
Consumer Complaint: This complaint is against CITIBANK ONLINE banking services. I have an Accelerated Savings ACCOUNT with CITIBANK ONLINE. Since XX/XX/2022 I have been trying to get my {$100000.00} out of the CitiBank, and close the account. I have spoken to at least 10 CITIBANK employees, all of whom are in the XXXX and all of them gave me wrong information. I opened a CITI checking account SPECIFICALLY to transfer my money to my XXXX XXXX XXXX ACCOUNT, via XXXX. I did everything they told me. XXXX transfer limit is {$25000.00} : how am I going to transfer {$100000.00}, {$2500.00} at a time. The telephone employees told me I would receive checks and an ATM CARD : I never received any checks or ATM. For 2 months, I called CITIBANK every week. I CALLED several times, getting different information every time, but they would not offer me any other way to get my money wired. Finally on XX/XX/2022, I was able to wire {$50000.00} from my CITIBANK ACCELERATED SAVINGS account to my XXXX XXXX XXXX checking account. Then on XX/XX/2022 I submitted a wire request for {$50000.00}. It is XX/XX/2022, and I received an email from CITIBANK stating : Your wire transfer is on hold Please call us to verify your information. Hi, XXXX. We previously tried to contact you about some information we need to complete the following wire transfer from your SAVINGS account. Since we were unable to reach you, it's currently on hold- please call us as soon as possible at XXXX. For TTY : Use XXXX or other XXXX XXXX. If we don't hear from you by XX/XX/2022, we will have to cancel this transfer. Wire Transfer Details Amount XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/2022 Transfer Type Domestic I called CITIBANK ONLINE 3 times : no one could tell me what information is needed. So there is nothing more I can do, except wait. They state in this email that they will cancel this wire transfer if I dont contact them today. I did contact them. No one knew anything about more information they needed for the wire transfer to go through. So, again, I can not access my money. This is fraudulent. Every Citibank employee misinformed me. I got NO ACCURATE, HONEST NOR COMPLETE resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022, Macy's/CBNA I've never signed up for an account from this company, I've even got in contact with the company, and they stated I do not have an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2022 : I initiated a domestic wire transfer from my personal checking account in the amount of {$120000.00} USD on XX/XX/2022 ( Saturday ). I was informed that the wire will not formally begin until XX/XX/2022 ( Tuesday ) since XX/XX/2022 ( Monday ) was a holiday. It is very important to understand that the wire took place in XXXX XXXX XXXX. It went from Citibank in XXXX XXXX, California to XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, California. XX/XX/2022 : I went into my local Citibank branch to ask why my wire did not go through on XX/XX/2022, they said it was withheld for an unknown reason. Upon reviewing my wire receipt, I quickly figured out it may be that there was a typo in the beneficiary name, one letter was wrong. However, the routing number and account number were correct. Due to the time-sensitive nature of the wire, I was closing a real estate transaction I initiated a second wire for the same amount being sent to the exact same bank and account, with the correct spelling of the beneficiary. The second wire went through the same day without a problem. I informed the bank to simply continue to try to get my first wire through and upon the beneficiary 's receipt, they would simply send it back. XX/XX/2022 : I followed up with Citibank since the initial wire was not received by the beneficiary or its bank. At this point in time, I requested that the wire transfer is canceled and the funds returned to my account. The relationship manager and branch manager ( s ) petitioned the wire department to release my funds back to me. They asked for documentation regarding the LLC ( I provided what was available for public record and on the State of California 's website ) and the real estate transaction ( I sent in a copy of the Grant Deed showing the LLC as the Buyer ). XX/XX/2022 : The relationship manager and branch manager were informed that the monies are being held and that I need to contact them directly. They relayed the info to me. XX/XX/2022 : Spoke with Wire Department - I asked where is my money, and her response is the money is with OFAC - Said it is under review with them, not in Compliance - I asked if the money was with Citibank specifically a couple of times, but the response was not clear and opaque in other words, could not confirm nor deny - Forwarded to Supervisor - Supervisor noted that my case was escalated by another supervisor on XX/XX/2022 the request was to Sanction Teams in XXXX, XXXX, XXXX XXXX on hold for review- I asked how it end up there since this was a domestic wire, not an international wire - In addition, I mentioned the money never made it to XXXX XXXX XXXX - She said that OFAC randomly freezes wire because of the recent sanctions put in place- I asked if it was by mistake and how I ended up on the list. She said Im not on the list, it was random. - I stated that this was Citibanks wire departments mistake and said they lost my money and need to get me out of this mess which is not my doing. Her response was we know where the money is and it is secure. - No estimated time on and if my money would be returned. XX/XX/2022 : Spoke with Wire Department Supervisor. - Said that they have not heard back from OFAC yet. - I asked if I could provide any additional documents, they said no. - No estimated time on and if my money would be returned. XX/XX/2022 : Spoke with Wire Department Supervisor. - Said the my wire in now under review with compliance department with Citibank. - No estimated time on and if my money would be returned. XX/XX/2022 : Spoke with Wire Department Supervisor. - Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money. XX/XX/2022 : Spoke with Wire Department Supervisor. - Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money. XXXX Said would escalate once again. XX/XX/2022 : Spoke with Wire Department Supervisor. - I asked Citibank to provid to me in writing that they are holding onto my wire funds and the reason behind it, they said they would email me within 48 hours. - They also mentioned the next time I wanted to wire money I should apply for a license with the Department of Treasury ( OFAC ). I told them I've never wired money overseas and that I have no need to apply for such a license. I mentioned that it was a necessary recommendation. XX/XX/2022 : Spoke with Wire Department Supervisor. - Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money. XX/XX/2022 : Spoke with Wire Department Supervisor. - Said that they are waiting to hear back from compliance 's final decision whether or not they would return my money. - I asked for an update in regards to Citibank 's letter I requested on XX/XX/2022. He said he would resubmit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91746
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
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 XXXX XXXX XXXX Chair with Cushions and XXXX Dining Table that was shipped on XX/XX/21. Both items were returned for a subtotal of {$850.00}, and this should of been applied to my Wayfair Credit Card ( documentation attached ). However, I do not believe I was credited on my credit card, and continue to pay to date. I have attempted to research this information online and by phone with the customer service representatives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX balance was {$270.00} date XXXX XX/XX/XXXX account number is XXXX This account was paid off from XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX the Removal date XX/XX/XXXX I never applied for a loan with them XXXX XXXX date open XX/XX/XXXX this account was paid off {$600.00} and still on my credit report account number is XXXX Macys/CBNA account number XXXX this account was paid off {$400.00} XXXX XXXX XXXX Open date is XX/XX/XXXX Account number is XXXX this account was paid off {$500.00} CITI HEALTH/CBNA I never opened and account with these people Open date was XX/XX/XXXX account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have opened an account with Citi Bank and deposit {$200000.00} into the account on XX/XX/2022. According to their advertisement, the funds only need to stay in the account for XXXX XXXX and they will have a promotional bonus credit of {$1500.00} credit into the account ; However, after XXXX XXXX the fund was not credit into my account. When I contact Citi Bank through online chat, they told me it will be credit into my account on XX/XX/2022 which needs another XXXX XXXX ( they did not mention on their advertisement ). As of today, XX/XX/2022 I still did not receive the promotion bonus, when I contact Citi Bank, they stated the funds was delayed due to technical issue. They did not provide an explanation or when the fund will be credit into my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A