Date Received: 2022-11-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citibank, N. A. closed all of my accounts ( checking, savings, and credit card ) without notifying me. Presumably they closed my accounts because some anti-fraud trigger though they will not tell me the reason. I transferred a lot of funds to these accounts because CITI is offering bonuses to transfer large amounts of money to the accounts within a certain time limit of opening the account. I had my Citi XXXX XXXX open on XX/XX/2022 - CITI was offering XXXX Citi XXXX points with {$4000.00} spend, which I earned and these points were available in my account. Now I can not access these points. I opened a Citi XXXX XXXX Savings account on XX/XX/2022. CITI was offering a bonus - CITI was offering a {$450.00} cash bonus for funding the account with at least {$50000.00}. I transferred {$68000.00} + to this account, money which I now can not access I opened a Citi checking account on XX/XX/2022 - CITI was offering a {$500.00} bonus for depositing at least {$30000.00} into this account. I transferred {$10000.00} to this account via XXXX from my XXXX account and {$14000.00} from my XXXX XXXX XXXX account ( {$9000.00} & {$5500.00} ACH ) Now I have no access to these funds, no ability to log in to see my prior balances or statements, and no communication from Citibank, N. A. They claim that they will mail me a check in 30-60 days but I am unsure of exactly how much money I had in my accounts ( it is at least {$92000.00} from my records, not including interest ). I have called their fraud prevention number XXXX several times and spoken to an agent. The agent will not give me any information regarding why my account were closed. Both times I called I requested to speak to a supervisor and was told that a supervisor would call me back later that day. I was never contacted by a supervisor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX received call from XXXX XXXX XXXX on my acct. They claimed to refund the fraud and was a scam in which they gained access to my 2 checking accts Citibank and XXXX XXXX. Proceeded to XXXX Approx {$440.00} XXXX CitiBank checking XXXX Their actions froze my computer and I was unable to acces accounts from that time onward. Do NOTknow actually how much they did take out of the accts. Droppedthe call when became suspicious, phoned both banks. REported scam, BLocked checking accts and asked for new checking acct to be opened in my name. ( CitiBank and XXXXXXXX XXXX ) SInce that time I have been working with both banks to reestablish my accts, but this has not happened yet as XX/XX/XXXX. Cards were sent to wrong address ( Home address and not temp address as requested ) Citicard Reissued and Address change issued XXXX. When Card activated was attached to Compromised checking acct and rep would not change to new checking acct. INsisted on reIssued of Debit card Again. Debit cards arrived and were expired when arrived. To Date I have had 3 CitiBank, and 3 XXXX XXXX Debit cards issued but still none working with my new un compromised banking accounts. I am XXXX and can not go into branch to handle in person!! This needs to be done over the phone or internet. CitiBank has no branches in XXXX where I live. Similar experiences have happened with XXXXXXXX XXXX. Every Debit Card ( 3 now ) does not activate!!!. I have serious bill delinquencies due to not having access to my funds pls help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have open an account with Citi Bank in XX/XX/2022 and funded with {$75000.00} via ACH transfer from my XXXX bank checking account in early XXXX. On XX/XX/2022, I initiated a transfer from Citi into my brokerage in the amount of {$50000.00}. The transfer was revered by Citi and the account got frozen. I contacted Citi and confirmed the activity, and my account was removed from " hold '' within XXXX XXXX. I successfully transferred out $ XXXX into another checking account. I initiated the same {$50000.00} transfer on XX/XX/XXXX. My transfer got blocked by Citi on XX/XX/XXXX again, and I lost access to my online banking. After contacting Citi fraud department on XX/XX/XXXX, I was told that my account for closed by Citi, and I may or may not receive my funds in the checking account of {$50000.00} by a check via mail. I did not receive any reason for this action, the bank did not have any explanation for the closure of my account. My funds of {$50000.00} have disappeared without any answers. Lastly, I opened a Citi account through a promotional offer and have kept my funds for 90 days, fulfilling all the requirements of promotion from Citi to receive a {$1000.00} bonus. No bonus was granted and my own funds have disappeared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Please refer to previous complaint # : XXXX I am dealing with identity theft and illegal/unauthorized financial transaction issues from XX/XX/XXXX. After ( and continuing ) filing multiple complaints and reporting, Citibank confirmed the status of dispute with reference numbers ensuring me that the personal loan is in " pending status '' and their investigation team has been notified. On XX/XX/XXXX right as the business day turned, I received another email that my personal loan ( which is in dispute and pending status with reference number ) has been " approved and processed ''. I started calling the customer service numbers that the citi website provides, and also that I verified over the phone with the existing/communicating customer service representatives over the weekend. They are continuing to forward me to irrelevant lines, hanging up, and playing fake messages of " this line is unavailable '' to buy more time and not address my urgent need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX : I placed an order for {$990.00} on the website to pick up in store, using a coupon. ( these discounted prices do not show up on the available receipt for some reason ) XXXX : I went to pick up the order in the store and only 2 of the 7 items were available for pick up ( {$200.00} adjusted order total on receipt ). XXXX : Credit card statement cut showing that I owe {$340.00} for the transaction. It seems like Home Depot shorted me about {$140.00}. XX/XX/2022 : I filed an investigation with the credit card company, but they told me that after investigation, they do not owe me anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, I opened a Business Checking Account at Citibank. As I did not know this process will become a living XXXX. When the account was opened, XXXX XXXX ( Personal Banker at the branch ) told me I should receive my card in XXXX business days. After XXXX business days, I received my debit card, but was not able to login into my online account. I called customer services and they told me I wont be able to login until a passcode comes in from the mail which XXXX XXXX didn't mention to me. A few days later, I received my passcode to login online, but that wasn't the end of it. Every time I wanted to login on my phone or computer, I would have to call Citibank customer service which would transfer me to an automated voice recorder that would give me a passcode to enter. The customer service representative told me there is no other way to receive it unless I call them ... EVERY ... XXXXSINGLE ... TIME .... After all that mess was resolved, I processed my sales from XXXX and was received into my account of {$15000.00} in a couple days later. The same day the money was deposited, the account was on hold due to XXXX chargeback. They told me It is currently on review and I should receive an update in a week. In a week, I called customer service and they told me they have decided to close my account in 60 days and I will receive my funds in XXXX business days after the account has been closed... In Mid XXXX of 2022, I received a letter stating {$10000.00} vanished from my account with no trace on where it went... I called for an update and the customer service rep said the same exact thing as last time. " I will receive my funds in XXXX business days. '' EVERY 10 DAYS, same response received. After 60 days, I received the same response. I informed them it's already been 60 days since you guys said you would close the account and also it's been 10 days since I was informed I would receive it and I have not received ANY UPDATES, NO FUNDS, NOTHING, BUT LIES. The representative I would speak to would put me on hold for a while and tell me I should receive the funds in XXXX more days which was XXXX. I KEPT calling back EVERY 10 DAYS and the same thing was said. They kept saying the same XXXX thing until the mid of XXXX of 2022 which I knew was all XXXX. Citibank customer service reps had no idea what was going on in my account and they had no proper training on how to do their XXXX job. I went to a branch in XXXX and XXXX of the bankers at the desk refused to help me and said he couldn't access my account when he didn't have his computer on. I went to another branch in XXXX XXXX and she reviewed my account, but said she wouldn't be able to help escalate this since she wasn't the one that opened the account and suggested I go to the branch where I opened it. Then I went to XXXX where I made an appointment with XXXX XXXX and while he was reviewing my account. He said with these chargebacks the security department is reviewing it ( At that time they weren't ) and will send my funds in another 60 days ... It is now close to 90 days since he said that and no funds have arrived. After multiple tries to get an update on this, I finally got XXXX at the end of XXXX where the reps told me this account is being handled with the security team and transferred me to them. The reps at the Security team informed me this fund is currently being held and I should " contact the finance team where the payments came from, '' which made no sense at all. The security department would not give me any more information besides saying " Contact the finance team where the funds came from. '' They could not give me any more information but that which made no sense ... at all. I called XXXX since we processed the payments and they said they just forward the funds to the account. They don't deposit into theirs then ours. At this point, I have no idea who to contact for those funds. Opening an account with Citibank has been a living nightmare. Each order I received I have fulfilled with my personal funds without knowing if a chargeback occurred again in the account and who it was from. If I knew that this is how their services and process works, I would have NEVER opened an account with them. They all have been constantly lying and have no proper training on how to handle customer service. All I have been receiving are letters of deductibles on the closed account which my money has been. Chargeback receipts and deductibles from my account have equaled about {$5600.00} which means I should have and received the amount of {$9600.00} by now. I can not continue my business like this if Citibank is going to hold my funds. My business has been on hold since this occurred. All I want is my money that I earned. Today, I finally received an update on my previous complaint. They answered all the useless complaints except the main big one and that is " WHERE IS MY MONEY?! '' On the previous complaint ticket, they tried to avoid answers about where my money is. They did not try to call me. They just sent a response. This is how annoying this bank is. The main complaint is the most important one and that is that CITIBANK has {$10000.00} of MY money which they have not refunded any amount to me! MY Account has been closed past 3 months. They and the previous complaint stated said they will send a check after the time of account closure. It's been more 5 MONTHS and I still haven't received any UPDATES OR CHECKS for the amount. CITIBANK avoided to answer that question. I WANT MY MONEY AND I WANT IT NOW!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Called XX/XX/XXXX upon first receipt of fraudulent statement to dispute account. Letter stating Dispute info received XX/XX/2022. Received another statement for charges and immediately called customer service XX/XX/2022. Notice of adjusted minimum payment XXXX received and letter dated XX/XX/2022. Letter received ( dated XX/XX/2022 ) that case was closed due to : 1.Statements were sent to an address that belongs to you. 2.You received benefit from a transaction ( s ) or payment ( s ) made on the account. Called again XX/XX/2022 to dispute and reopen investigation. Statements continue to arrive and called them again today XX/XX/2022. I did not open this account. I did not receive any benefit from the transactions. Transactions were out of state and I have never traveled to those states. I do not know and have no knowledge about who the names of the people mentioned in the charges are. I do not have the physical card. I never received any card in the mail. Bank refuses to accept my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings account online XX/XX/XXXX. Attempted to fund account with {$20000.00} at that time via ACH transfer from my checking account at XXXX Bank ( XXXX XXXX CO ). Called Citibank XX/XX/XXXX to see if transfer completed and whether my wife was listed as joint owner. Was told by Citibank representative my wife was not added to account and funds transfer did not go through. Checked with XXXX Bank on XX/XX/XXXX and was told the {$20000.00} would be transferred via XXXX on XX/XX/XXXX. Tried to put stop payment on transfer but was told by XXXX Bank it was not enough notice to do so. Immediately called Citibank and was told account was still open and would be funded and my wife could be added to account. Initiated three way call with Citibank rep and my wife to obtain information to add her to account. On XX/XX/XXXX I checked status of Citibank account online and surprised to see account had been closed by Citibank. Notified Citibank account closed and asked why. They informed me I had requested it be closed. This was not true. On XX/XX/XXXX our XXXX Bank account was XXXX XXXX to Citibank for {$20000.00} and since then I have contacted Citibank numerous times to request my funds be returned. I have talked to numerous individuals and supervisors and have been told numerous conflicting stories about if they have our funds, where the funds are located, and how to get the funds returned. We were first told since the account was closed, the money wouldn't even transfer, then they said they would have to hold it for 15 days, then it was 5 days, then they said it was sent to a branch - and there are no Citibank branches in Colorado. The majority of these individuals spoke very poor English and were poor communicators, and I was transferred over and over, sometimes even disconnected. I asked several times for instructions on what I needed to do to get my funds refunded. I was told that information would be emailed, but it never was. I can only call an XXXX number, and no one will give me a direct number to contact someone who can resolve this. I have only received one call from someone at Citibank to discuss this. I would estimate I've spent well over 30 hrs. on the phone trying to resolve this issue. On XXXX I received a voice mail from XXXX ( account supervisor Citibank ) that we needed to send a written request for return of the funds to a retail services operation in XXXX XXXX, TX. Written request was mailed via certified mail on XX/XX/XXXX to : Citibank, XXXX XXXX XXXX, RSO/BCS Mailroom, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ( We have received the certified green card back but XXXX failed to complete the date delivered or person receiving the letter. ) It was also sent via XXXX on XX/XX/XXXX and was received by Citibank on XX/XX/XXXX. On XX/XX/XXXX I contacted Citibank again via phone and spent almost 2 hours on the phone and was transferred 5 times. I finally spoke to an " retail unit account supervisor '' named XXXX and was told that they had not received my letter yet and were still waiting on the " back office '' to authorize release of the funds. Once approved, the funds will be mailed to me via XXXX XXXX XXXX. I have been told so many different stories, I don't know what to believe and have no faith the funds will actually be returned. It appears to me they are using my money to earn interest for Citibank while I am deprived of being able to invest it and earn interest as I had originally intended. They should return my funds, plus interest I would have earned, plus costs I have incurred to send certified mail and XXXX correspondence. The savings account I attempted to open with Citibank is now closed and I have still not received my funds back! When will I receive them? Despite the fact Citibank says the account is closed, I have since received an ATM card and PIN numbers and other documents in the mail for the savings account. Citibank continues to verbally tell me the account is closed. I have had a credit card with Citibank for over 30 years and to say I'm extremely disappointed with the way I have been treated is an understatement. This has been extremely stressful on me and my family. The loss of {$20000.00} is a substantial thing for us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My father XXXX XXXX passed away XX/XX/XXXX. We closed his account in XX/XX/XXXX ( spoke with XXXX ) ( we didn't close it last winter since some items like his internet were being charged to the account ) My father had the account set up for autopay coming out of his checking account. There was a debit for over {$800.00} for the credit card over the summer. Obviously my father is not charging to the account. I can not see the statements. I have made multiple requests over the last few months to get copies of the statements and info on the charges to his account. First I was told to wait 2-3 weeks until his account was in the probate department. Then I called " probate '' only to find out it is a collections agency. ( XXXX ) ( which they have now zeroed out his account ) but I still can not get access to his past statements to review for possible fraudulant charges. I have made requests ( XX/XX/XXXX XXXX, XXXX XXXX ). They keep saying they will send me something, and I have yet to received anything. My reference number is XXXX I have both his death certificate and letters of testamentary. Account number is XXXX citi mastercard
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01821
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A