Date Received: 2022-11-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called Citi Credit Card Co. To make a XXXX payment on the XXXX of XXXX. Then on the XXXX of XXXX I had received an email stating that my payment was coming up to please make a payment because my payment was returned. Next I asked them if they needed my routing number to make my payment and they told me no that they didn't need that information to make my payment. Then on the XXXX XXXX. Which was my original payment due date the amount of XXXX was taken out of my account as it states on my checking account with XXXX XXXX XXXX and 2 days later its not posted on my Citi Credit Card balance, and I talked to XXXX about this I told him I'm never late on any of my credit cards and I don't want to take a hit on my credit report by trying to make my payment. And they pushed my payment to the XXXX of XXXX. XXXX said he put in my complaint to his supervisor to try and get this issue resolved today. But could take up to the XXXX of XXXX.to have my XXXX put back on my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 498XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Citicards is a XXXX company. They refuse to fix their Online Statement system for XXXX Americans. On the webpage, I am on the statement for XX/XX/XXXX. On the Webpage, I see charges up to XX/XX/XXXX. When I download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. Then when I go back to the webpage, and do " Load more transactions '' for that statement billing period, click Download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. They are cutting of the VERY Last date on the Statement XXXX download. This is an IT level system bug. They need to fix it, and stop misreporting transactions for customers. They refuse to fix it for XXXX and Minorities. Very XXXX company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: About 18 months ago I was using my debit card at XXXX and Citi blocked my card and online banking. I have been calling for months getting transferred around department to department they told me my account would be getting closed and a check with my funds would be mailed out in XXXX days. It has been over an entire year and i still do not have access to my funds which was around {$5000.00} in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Sent to Consumer Finance on XXXX at XXXX XXXX : ANOTHER THEFT OMITTED WITHDRAWAL : XXXX at about XXXX XXXX Amount : {$3.00} OTHER THEFTS : XXXX XXXX United States of America XXXX : XXXX XXXX XXXX XXXX XXXX : Citibank Citibank admitted to omitting transactions out of my account in the amount of : $ XXXX ; $ XXXX and XXXX -- -- Representative XXXX never returned call as expected to discuss the THEFT or issue refund on XXXX. Conversation Details : Theft is by creating duplicate for purchases to hide omissions and Citibank will tell the client " I do not see the transaction! '' Blind transactions -- -- money taken out via a loophole affecting audit yield. Representative XXXX is conducting 'research ' on my Citibank account as per his statement today XXXX ; XXXX stated that he will call me during his night shift : Advisor : XXXX XXXX Citibank ID : XXXX ) at about XXXX XXXX today XXXX ; XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX. A hard inquiry was done for a CITI Costco card which was approved and sent to me. I did not apply for this. On the day it came in, I called CITI and they cancelled the card. On XX/XX/XXXX I received a letter from CITI asking for clarification of a suspicious purchase. I called in and found that while the card had been cancelled, the account itself was still active. It is now closed. I did receive the information that there was a name of XXXX XXXX attached to the account. ( I do not know this person ) I called XXXX to have the inquiry removed from my credit report and that is where I am at now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98092
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: About XX/XX/XXXX, I entered an incorrect secondary payment account on my Citibank/Costco credit card. The payments of {$37.00} and {$100.00} ( estimated ) were rejected. I immediately corrected the account and resent the payments. They did go thru. Citibank charged me a fee for each rejection. I have paid this. On or about XX/XX/XXXX, they closed the account without telling me. I went to use the card and it was rejected by the retail location. I called immediately and was told, my card was closed and I would have to wait for a letter from Citibank in the mail- it would take XXXX to 10 days. I called multiple times anyway between XX/XX/XXXX and XX/XX/XXXX trying to reach a rational person. Customer Service, said the BACK Office closed the account, and they were the only ones who could re-open it. And I had to write a letter and mail it. On XX/XX/XXXX, i wrote a letter and mailed, as requested by the customer service. I received a reply on XX/XX/XXXX that stated they could not re-open my account, because I had not provided my income. This was the first time income had been mentioned as an issue. I had given my income to each representative I spoke with when asked ( $ XXXX ). So, I called on XX/XX/XXXX. After speaking with several Customer Service Agents for over XXXX hours, the last one said, that I could open a new account, but they would not re-open the existing XXXX. I asked if my {$440.00} that I had earned over the last months would be transferred to that new card, and she said no. Once a card is closed, all money is forfeited. All of this because I entered the wrong account number?? I told the Customer Service representative, that I would not re-apply to Citibank based on what had happen to my credit card that I had had for 8 years. This account was closed for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted a dispute with XXXX this month XX/XX/2022. My payments were not late and I do not have a past due amount. Home Depot did not report accurately to XXXX and cause my credit score to drop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
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: My Macys credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. Macys said they mailed me a letter however, I did not receive them and then my area was severely hit by hurricane XXXX. I spoke to Macys regarding this problem and paid the credit card off immediately. I have spoken to Macys several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. Urgency is of the Essence. Macys told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to XXXX.
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: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Our payments are paid automatically on the 1st of every month. They are stating that one payment was short by {$8.00} over 6 months ago which caused them to bill us a {$40.00} late fee. Since then, because of this added late fee it has caused our automatic payment to show short by about {$8.00} each month for over 6 months and each month they are billing us an additional {$40.00} fee. The fee is what is causing it to be short! This is predatory. We have now been billed over {$240.00} in fees because they are saying one payment was short by {$8.00}. We received no notification of this until a few days ago when we finally got a phone call saying our payment was late. Why did it take them over 6 months to contact us. Obviously, no one would choose to not pay {$8.00} so they could instead be billed an additional {$40.00} every month. Had they made this same phone call 6 months ago, we would have been aware and cleared the missing {$8.00} which would have saved us over {$240.00} in predatory fees. We contacted them and all they would do is waive one fee. This is ridiculous. The added fee 's is what caused the payment to be short we pay {$100.00} per month which is over our required minimum payment ; however, with them adding the additional {$40.00} fee each month that is what made our {$100.00} payment short by about {$8.00}. The added fee each month is what caused the payment to be short. So you are stacking fees on top of fees. had they never billed them or contacted us after the first one none of this would have happened. How can they get away with charging over {$240.00} in fees for an {$8.00} shortage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98223
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PART 1 - This complaint is regarding closure of 3 accounts due to what I am being told is a violation of the terms of the account involving the appearance of fraud. I got a letter from Citi regarding the closures. I made 30 or 40 attempts to call. Most of the people i talked to said they couldnt tell me anything ; one employee was able to help me figure out that the issues involved a {$15000.00} transaction made in late XXXX and early XX/XX/XXXX. I made many requests for someone at Citi to call me but I never received any calls. I have been an account holder with Citi since XXXX, for 35 years. I did not commit fraud. What occurred was as follows. I wanted to transfer {$15000.00} to my husbands account at XXXX XXXX XXXX. On XX/XX/XXXX, she transferred {$16000.00} from her Amex savings account to her Citi account ending in XXXX ( {$15000.00} to give to her husband, {$1000.00} I kept for unrelated purposes ). I had planned to use XXXX in her Citi account to send money to my husband and discovered that she could not send that high amount by XXXX. So I transferred {$15000.00} to my husband using XXXX. The account ending in XXXX is the account I use for XXXX. When using XXXX, the transaction came back reading as if the transaction had been a {$15000.00} payment to a vendor. I did not feel comfortable with this transaction being categorized as a payment from a customer to a merchant, so I cancelled the transaction. I called Citi to explain. I was told I would receive a {$15000.00} provisional credit. This was what Citi advised me should happen. It wasnt at my request ; I was only trying to inform Citi and make sure I was doing everything right. I also was credited {$15000.00} by XXXX. This led to an over-credit of {$15000.00} in my account. I informed Citi to take the provisional credit of {$15000.00} back and I was told that would be done and this issue closed. I then wrote my husband a personal check for {$15000.00} ( check XXXX ). As an additional problem beyond the account closures, I was told I would not get the balances belonging to me returned. In a similar pattern to my phone calls regarding the closure, I was not able to get any information that makes much sense and my requests for a call from someone who can help go unanswered. I t was told at one point I will not get my money back because it doesnt appear to belong to me. At another point I was told it was sent back where it came from. Other than a {$600.00} payroll deposit on XX/XX/XXXX, the rest of the funds in her accounts should not fit the category of being returned. I am also due {$200.00} from XXXX, {$25.00} from XXXX and {$250.00} from XXXX. Plus, the {$600.00} payroll deposit that she informs me has not been sent back. As stated, I have been an account holder since XXXX. I did not commit any kind of intentional fraud or rule infraction. It appears that this is a case where Citis algorithms led to an inaccurate result. I ask for an explanation of the specific activity that led to the decision and the specific account terms alleged to be violated. Further, I was told I was sent a letter XX/XX/XXXX. I did not receive it, nor did I receive the copy I was told would be sent. PART 2 - Three refund checks in the amount of {$25.00}, {$600.00}, and {$200.00} were mailed to me in a XXXX envelope with no explanation by XX/XX/XXXX. I received an email on XX/XX/XXXX with an explanation and a copy of the Client Manual. I had a balance of {$250.00} in checking account ending in XXXX on XX/XX/XXXX. Also on XX/XX/XXXX, a deposit from XXXX for {$600.00} and a withdrawal of {$250.00}. What happened to my {$250.00}? The account was closed around XX/XX/XXXX and I had no access to this account. Refund the remaining amount of {$250.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A