Date Received: 2022-11-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my Citi credit card to XXXX XXXX credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my Citi credit card account, however, today, XX/XX/XXXX, the money is still not in the XXXX XXXX account. I've called XXXX XXXX and they assured me they don't have anything incoming from Citi bank towards my account. Now, Citi claims that everything is correct on their end and the money was sent successfully and received by XXXX XXXX. XXXX XXXX claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. My money disappeared somewhere inbetween and nobody is doing anything to find it, but the best part is, Citi bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93901
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened a savings account XX/XX/XXXX with a XXXX dollar bonus when you deposit XXXX within the first 30 days. The bonus was supposed to be paid within 90 days after the 30 day initial period. So after 120 days the account has not been credited with the bonus. I deposited XXXX into the account on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX XXXX, my Costco Anywhere Visa Credit Card was used in fraudulent activity. When I became aware of this charge ( via email statement from Citi Financial on XXXX XXXX XXXX ), I immediately notified Citi Financial to dispute this charge. The charge was for {$410.00} on XXXXXXXX XXXX XXXX, at XXXX XXXX. I spoke with XXXX in Customer Service. She informed me that they would close my card and issue a new one. XXXX further advised that I should pay the minimum payment due on my account so it would not get behind??? I replied to her, " I had never heard of having to pay for something/charge you were disputing ''. She replied, " we have to tell you that ''. On XXXX XXXX XXXX, I received an email from Citi stating in part, " that they had reduced my minimum payment due to {$41.00} for the month of XXXX due to my billing dispute. However, the original payment due was {$41.00}. On XXXX XXXXXXXX XXXX, I received communication saying, " Citi was looking into the dispute I filed, and I would not have to pay the disputed transactions or related charges while they were going through the investigation process. On XXXXXXXX XXXX XXXX, I received an email alert from XXXX XXXX, saying, " there was a change to the remarks listed on my XXXX credit report regarding my CITICARDS CBNA account ''. When I logged into my XXXX XXXX account, the remark said, Dispute resolved, customer disagrees. Upon this discovery, I contacted Citi Financial. I was told by XXXX in the XXXX XXXX Department that my dispute had been resolved on XXXX XXXX XXXX. I informed her that I had not been notified. She said a letter was mailed on XXXX XXXX, XXXX, which I have yet to receive?? I proceeded to ask her, " how was the dispute resolved ''? XXXX told me that the merchant said, " my card was present at the time of the transaction ''. I replied, " I have and have always had my card in my possession! There may have been a card present, but it wasn't mine nor was it me! Since the merchant has stated that a card was present for the transaction in question, I am requesting video/camera footage from the merchant for the transaction in question. I'm sure through Citi Financials ' thorough investigation efforts, they already possess the necessary video footage, cash register #, cashier #, time and date of sale, as well a photo to substantiate their findings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: At XXXX XXXX I received XXXX emails from Citi Bank, I do not have accounts with them. XXXX of the emails acknowledge the opening of a checking and savings account. XXXX email contained the user ID used for login. I tried to contact Citi Bank but can not get through as I do not have the account number or other verification information, I could not use my SSN to access it either
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I experienced financial fraud on my Citibank card, multiple charges. I have had extensive challenges completing this project with Citibank. They removed XXXX charge but left another that has been compiling interest and fees since XX/XX/XXXX even though it was reported. I filed this in a dispute with XXXX ( XXXX ID number XXXX ) but I haven't had the card closed in response to the report. I have attached some evidence associated wit this case. I do not have a dog and my phone number is a XXXX area code ( see attached folio for fraud charge in question ). The CitiBank communication portal online is not working to complete this task and I am disabled.The account was not closed and thus unauthorized charges have been made between the dates of XXXX XXXX, XXXX to present day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93405
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I wire transferred XXXX to my CitiBank checking account. On XXXX XXXX, my account was flagged for suspicious activity and a freeze was put on my account. I have called the past 3 days, and they continually say they can not help me Because a special investigator is currently looking at my account. I made all transactions, I confirmed and even called Citibank before to tell them I was making these transactions, yet they still froze my account, and I can not access any funds with it at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, we were scammed by someone who claimed he worked for XXXX XXXX and said our computer had been hacked and funds had been taken from our Citibank checking account. Over a few days, he convinced us that the FBI were investigating it and frightened us into making a couple of wire transfers totaling {$87000.00}. We were told to lie to the bank 's representative because someone inside Citibank was behind the fraud. When we learned on XX/XX/2022 that the phone number we had been calling was fraudulent, we called Citibanks fraud department to report what had happened and on XX/XX/2022, we submitted an elder complaint to the FBI Internet Crime Complaint Center ( https : //www.ic3.gov ). On XX/XX/2022, we received a letter from Citibank letting us know that our fraud claim had been denied. On XX/XX/2022, we wrote back to Citibank appealing their decision since Citibanks denial clearly concedes that this was a scam, and EFTA expressly forbids denial of a claim due to any negligence by the customer. We received an identical letter from the bank to the first one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Other service problem
Subissue:
Consumer Complaint: On XXXX XXXX XXXX I attempted to wire transfer money to a new account through my CitiBank Checking account. Upon attempting to do so, I was unable to not only add the recipient to the list, but I learned my account was STILL frozen, even after I was assured the account was to be cleared. I have called numerous times, talked to too many employees at CitiBank, and there is no resolution and I have no access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citi bank close my account and now I am broke I cant pay my rent, my car, car insurance, cellphone bill and everything they closed my XXXX dollars for no reason now I am broke I want my money I can pay my rent before I got evicted please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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: A Charge with XXXX XXXX XXXX XXXX has special pricing contract with XXXX XXXX XXXX because involved with a claim on car accident. Promises made by XXXX were not honored by XXXX. Then when car returned charges were far higher than what was arranged via XXXX XXXX contract they have. Its a bait and switch open end fraud that XXXX regularly engages in. When car returned they dont honor XXXX XXXX pricing but end up charging retail highest price. XXXX refused to provide detailed invoice in attempt to resolve. Called corporate and they all railroaded and blocked me from any invoice and moved forward to charge credit card. I had no other choice than to file a dispute via credit card and Citibank. Boy o Boy was I mistaken that Citi would back me up. I proceeded to dispute to ask Citi to assist in obtaining the invoice to attempt to resolve. Dispute opened XX/XX/2022, response to Citi via there email XX/XX/2022 to there Billing disputes email. I have proof it went through. Citi is motivated by always saying " we tried to reach you but you never responded '' ... This is a total lie and can be proven that response by email exists on XX/XX/2022. Citi has a pattern of claiming that cardholder fails to respond. I have seen this response before that its a fraudulent pattern of portraying that cardholder doesn't respond, Please investigate. There Citi App has alert sign up but its intentionally being blocked to make alerts easy to get. When getting alerted is impossible, non existent or very difficult to meet the dates and then Citi regularly default 's that that cardholder didn't respond. This default is Citi 's genuine desire. This is totally fabricated by Citi and they do not act in good faith. This is a pure example. The truth is they really don't want you to respond. They would rather make there files appear that they did everything but cardholder didn't respond. This is Bank Fraud and conspiracy to deprive a cardholder of there federal rights to dispute a transaction and have a genuine portal and clear communication to help them resolve a false charge. Citi is corrupt and this is surely a pattern. There is not a genuine attempt by Citi to comply with Federal Law to handle disputes. Rather they strangely always claim they are not getting a response from cardholder. Investigate Citi immediately. I responded XX/XX/2022. Citi makes excuses that its not legible or didn't receive which is total fabrication of the truth. They are hiding behind technology difficulties but the truth is they are intentionally not wanting you to be able to respond and make alert set up blocked on app and dont want an easy way to be alerted. This a similiar Bank stunt or fraud Banks engaged in with mortgage crisis. With that time " there claim would always be they didnt get the documents ''. Totally false and total play of client. Once XXXX responded with False invoice charges I wrote a 4 page letter sent to Citi XX/XX/2022 breaking all detail down and awaited response. I got no response because they had retroactively just closed out case and refused to admit to there intentional mishandling in a genuine good faith attempt to resolve. They have no proof of receiving email response sent to billing disputes email at Citi. They make excuses that they didn't get it, its not legible etc. I'm waiting for them to use the excuse there dog ate it. Investigate how many times they don't get response. Investigate how they block the cardholder alerts being set to ensure and better outcome. Its a conspiracy for sure. They want to look or appear like they complied but genuinely do not comply with Federal law and really seek to tell client to deal with merchant on there own.
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: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A