Date Received: 2022-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I opened a new checking account with Citibank because of a promotion incentive they offered for having a specific balance for a certain amount of time and you will receive a cash bonus. When I transferred funds from my husbands checking account ( in which we both are on the account ) into my new Citibank account with the amount of {$59000.00} they froze my account. I happened to find this out because after 2 weeks passed, I never received my debit card in the mail. I called Citi and first they hung up the phone on me. I call back and finally, someone didn't hang up on me and decided to try and help me out. When asked to send me a new debit card, they mentioned it was going to the wrong address? Then over 25 minutes after trying to figure out how they had the wrong address, the gentlemen says he cant submit for a new card because the account has been blocked. He then transfers me to the fraud department. They hang up. I call back, and they tell me nothing and that I will receive a letter in the mail explaining why they have blocked my account. In the meantime, I have been unable to use my account, transfer funds, access funds, still no debit card and of course no letter. Not sure what else can be done? I have money that needs to be accessed for family xmas and Citibank does not accept customer service concerns nor do they provide reasoning of these actions? If they could provide me with guidance as to what they need in order to unblock my account that would be great. Or, just unblock my account so that I can access MY OWN MONEY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: City bank has several accounts issue with my information, money transffered from my XXXX XXXX to city bank and city bank doesn't have any explination for me ; CITIBANK , N.A . DEPOSIT XXXX XXXX CITIBANK , N.A . DEPOSIT XXXX XXXX {$500.00} {$100.00} XXXX XXXX account XXXX. CITIBANK , N.A . DEPOSIT XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX cashed check XXXX XXXXXXXX to to CityBank account XXXX XXXX transfers and credit card payment to City bank Here are some of the accounts opened and closed by them with City Bank and I don't have information on Here are some last XXXX digits City Bank accounts Account ending in XXXX Account ending in XXXX Account ending in : XXXX Account ending in XXXX Account ending in XXXX I have gone to different City Bank locations and they are not able to even give me a print out on transactions on this accounts or tell me where the funds are, they just said that the accounts have been Closed, that if there were funds they will send me a check and nothing has happened. I don't have access to this accounts or any transaction history. I am pretty concerned because this involves taken fund from XXXX of my other banks institutions and also my other XXXX XXXX account was closed the the institutions. I have called many times and they wouldn't speak to me. Please help me find out what happened to my money with City Bank, the check cashed and funds gone, plus XXXX XXXXXXXX Transfered. I have XXXX possible suspects that might've stolen my information and funds around that time, I need to verify, please help me...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX-day time period. You must delete all of the disputed accounts from my report. It has been more than XXXX days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. -- - XXXX XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a XXXX XXXX in the United States, I traveled to open an account on XX/XX/XXXX with CITIBANK, they opened my financial product and gave me a provisional debit card to carry out my transactions, which would be active until XX/XX/XXXX. XXXX, when they opened my product, they informed me that the definitive card with which I could activate my online transactional portal would receive it no later than XX/XX/XXXX, However, this did not happen. I went back to the branch and the adviser who opened my product realized that she had mistyped the delivery details of my card, she made the correction and supposedly the card would arrive as soon as possible, I already I returned to my country of origin and as of today the card has not arrived at the address of my family member, I have called the bank several times, I have sent emails requesting the shipment and none of my requirements have been met, As of today I have no way of using my resources because I finished transferring them all from my account in my country of origin to the account I opened with CITIBANK, and now I have no way to dispose of my resources. All I am requesting is that you deliver my final card as per the service promise to the address I provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Good morning. I made a minimum payment due on my credit card account last month as I was not going to have enough money in my Bank checking account on the XXXX due date. I checked ( screenshot from Citi attached ) after making my payment, and " Citi Told me '' no Payment was due any further after the payment. Issue : Yet, on my due date, Citi still withdrew using XXXX. I ended up paying Double of what I wanted to and Double of what I needed to. Unfair and deceptive acceleration of paydown of my 0 % XXXX balances despite clear disclosure : I have a 0 % XXXX XXXX which Citi paid off deliberately faster taking away that benefit and also putting me in jeopardy of getting a returned check on my Checking account. All this, AFTER Citi informed me in plain XXXX that my XXXX XXXX after the payment was {$0.00} ... Why? - Please refer attached screenshot. I would only use XXXX to " Pay what was DISCLOSED to me on my Statement and nothing more ''. Why should I prepay what is not due. Especially when my balances are all at 0 % APR?? If I didn't have money in Checking account, would I be assessed a returned check fee by Citi, is that also why XXXX withdrew more money than was due? Bad revenue stream. Deceptive disclosures elsewhere : There are other places Citi uses words like they 'may ' do this or this 'may ' work or not. Such disclosures are very deceptive. As a Bank, " don't you know ''? And should a customer not know, or is it a guessing game? As a customer I should be " empowered by my Bank '' to be financially responsible and " certain about the outcome of my financial decisions '', not be guessing. the only reason someone uses terms like 'may ' are if they are a lawyer or " if they just don't know ''. So please it would be helpful if you changed some of that language. Regardless, the attached screenshot indicates that I owed Nothing and yet XXXX withdrew- so that was misrepresentation by Citi. Continued issues : I am astounded by what Citi is doing. Last month, I was charged interest even though I was paid in Full and all my balances/transactions in the last XXXX cycles were at 0 % XXXX. Just Disputing a charge which also got resolved moved my balances to standard XXXX bucket, and gets me to assess interest? Unethical. A lot of things so seem to be running with band-aids. Please don't wait for them to rip off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: DeaXXXX XXXX XXXX XXXX, My name is XXXX XXXX, contact details : XXXX, XXXX. I kindly request your assistance on the following matter. My USD XXXX transfer made on XXXX XX/XX/2022 from a broker organization ( XXXX XXXX XXXX in XXXX, where I bought some USD at the trade market ) to local Citibank branch in XXXX got suspended in correspondent bank which is Citibank NA ( XXXX ). XXXX tracker shows status that the payment was rejected the same day ( XXXX XX/XX/2022 ), however it was not returned to a sending bank ( XXXX XXXX XXXX in XXXX in this case ). As per my request, sending bank ( XXXX XXXX XXXX ) initiated a request for search and refund of the payment, on XXXX XX/XX/2022. However, the money still have not been returned. I tried to contact both Citibank in XXXX and in XXXX. Citibank XXXX ( which I am client of ) has not seen the incoming transaction at all. Citibank XXXX, which I tried both calling and contacting by e-mail, refused to assist me, and redirected me back to sending bank, which already initiated the investigation/refund request on XXXX XX/XX/2022 but has not seen any response from Citibank since XXXX. It's been already more than a month since outgoing transaction was made, and the funds are still beeing held by the correspondent bank, despite they almost immediately rejected the payment. I kindly ask you to facilitate the refund of my money to the sending organization. Please see the XXXX number of the transaction : XXXX, and I am also attaching the outgoing SWIFT message for XXXX reference. Sincerely hope for your help, XXXX regards, XXXX.
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: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company not only repeatedly called me from various numbers, they implied I needed " counseling services '' on my account statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Citi Credit Card AAdvantage Platinum Select- Credit card cancelled my card and filed a complaint on my credit report after paying the amount past due. Amount past due was for a yearly {$100.00} fee to be a card member. I was never made aware of the cancellation nor the report on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX and XXXX, called relatives, called me. Threatened law suit, lein on real estate and personal property not mine. Garnishment of wages and personal bank accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received the following email from Citi on XXXX I funded the account with $ XXXX on XX/XX/XXXX. I left the $ $ in the account until XXXX. This is 70 days. I also kept a credit card and debit card with them for the same 70 days. I am, by their table, due $ XXXX. They are now unsure if they will be providing me with the $ XXXX. In the past, I have had several chats with them and well as phone calls. I left the money in their bank an additional 10 days beyond what they originally said was required. I followed all instructions their chat group in XXXX indicated that I needed to follow to receive the $ XXXX. Now, they appear to be balking at owing me. I believe they have CLEARLY committed fraud. PLEASE HELP ME! XXXX XXXX XXXX XXXX CITI OFFER IN MY EMAIL ON XX/XX/XXXXXXXX " Do more with Citi, get more from Citi Get great benefits with a Citi checking account and earn a bonus of up to $ XXXX with required activities XXXX XXXX with your Citi Custom CashSM Card, you already get benefits like acceptance at 70 million locations and {$0.00} XXXX on unauthorized charges. Now you can manage your card and checking account together to simplify your life, and earn more with this special offer. Don't wait this offer expires on XXXX XXXX XXXX See Offer Details Offer not available in branch Earn up to {$2000.00}. Here 's how : Apply for a Citi checking account* Within 20 days of opening, deposit required balance ( see chart below ) in NewtoCitibank Funds Maintain required minimum balance after account opening for an additional 60 consecutive days Your cash bonus will be deposited to your open, eligible account within 30 days after you complete all required activities. You must also have a Citi credit card from the time you open your account until you complete your Maintenance Period. You must have received the offer directly from Citi to be eligible to participate in this promotion. Participation does not guarantee eligibility. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A