Date Received: 2022-10-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/XXXX I signed up for a bonus with Citi in which if I opened an account with at least {$200000.00} and leave the funds in my account for 6 months I would get a bonus of {$1500.00}! in XX/XX/XXXX after the 3 month period, I contacted CITI because my bonus was not credited to my account. They said that my bonus would post within 30 - 90 days which essentially meant i would have to keep my money in there for as long as another 3 months! This in itself was already a red flag and a very unethical way of doing business. So I waited and 90 days later i called again this time my Account Manager who oversees my account XXXX XXXX XXXX XXXX : XXXX. He had me put on hold for a very long period and hung up the phone. I called again and left multiple messages but no response. I sent him a few emails as well and he just disappeared. I was totally lost as now I know I have been totally scammed. So I quickly wired $ XXXX out of the account leaving the minimum of $ XXXX to meet the requirements of the Priority Account. I subseuquently called again and again and each time I called CITI customer service i was told that Yes I did complete the bonus program but they were unsure why i wasn't paid. I waited and waited and finally a couple of months ago, a letter was sent to my home address - but i was in XXXX for 4 months and did ' ; t get it till i returned last week. the letter stated that because I had another CITI account i was no eligible! I was like what?? So if i was no eligible ( which i am sure they are lying and using that as an excuse ) then why take my {$200000.00} deposit in their bank and kept it for almost a year? If i was not eligible then they should not have approved this account opening under this program! How can you approve the account, take the $ XXXX and not pay any interest and at the end of the day tell the client that Sorry you were not eligible - while the other customer service agents on the phone i had spoken to said that I had met the requirements according to their data they were looking at. I find it a total scam and I am really upset that CITIBANK, such a huge global bank would try and pull something like this on a client that has banked with them for so many years! I would like for you to help me get this bonus paid because i had met the terms and conditions and if i didn't meet the T & C they should never have approved the account in the first place being such a huge amount i had opened the account with. So far the interest that I had been paid for the $ XXXX was {$21.00} in XXXX and {$6.00} XXXX XXXX - this is really ridiculous and I hope you can set this straight with them and have them honor the bonus program and pay up.I looked at the promo code that the letter they sent me and the promo is for XX/XX/XXXX through XX/XX/XXXX, Its obvious they don't even know what to do using a code for a current promo but my promo was for XXXX!!! Clearly they don't know what they are doing!! Thank you in advance for your help and I look forward to favorable news..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
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 was informed that my credit card had the suspicious activities by the credit company on XX/XX/XXXX, but at that time it was reported I found out there were XXXX unauthorized transactions already in 2 days, the total amount of {$560.00}. Right after that I disputed the charges and canceled that card and received a new card. But sometime at the beginning of XXXX, I received the letter says the case had been closed because the credit card fraudly used was under my possession, therefore they didn't consider that fraudulent activity and I am the one who is responsible. On XX/XX/XXXX, I visited one of their branches and discussed about the fraud and dispute, but it didn't get any better. I was told they're not able to escalate or to reopen the case. On XX/XX/XXXX I filed the police report for credit card fraud and requested the card company to reopen it. I also explained the old card with the same number I cut out and discarded in the trash could be duplicated and used by the suspects. They said they will reopen the case and continue the investigation. But even though I was told and received the letter during the investigation I didn't have to pay the amount, they charged both late fee and financial charges on my account on the due date as if I was the one who used it. Their customer service keeps calling me and emailing me to pay for the amount because online status hasn't been updated and some of the disputed amount had already been deducted from my bank account automatically. I'm still highly doubtful if they really reopened the case and still investigating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The bank citibank is my bank. I have achecking account that has been open for 7 years now. I have a direct deposit with them for the entire time being setup with them. I have recently had them suspend or temporarily hold my account. They won't say what it is from. They told me I have to verify myself. Through a phone number. They stated the phone number has to be in my name. In order to verify my self I have told them my phone number and others as well because I have had a few different numbers. I told them each and they said not one could meet their verification standards. So they say they sent a letter in 7 to 10 business dasy for the next instructions. This is absurd and ludicrous. I have absolutely no access to my funds and I have had my account taken without any previous warning. So I am left without access to my funds. Right in the middle of a huge transition during my move. I am close to a deadline to move out of my apartment and this happens. I am left with no funds not even for gas in a less impacting situation but for my current very time constringent matter where i need fees paid moving costs my deposit, and not to put in my details but a huge huge deposit and all the the miscellaneous problems that come with moving is just one of the most chaotic inconvenient times this could happen. A bank should not be able to just hault an individual from their funds. I have contacted a lawyer and was told if I wanted to pursue there would be alot of fees accumulated so I wanted to pursue other alternatives first and have this investigated or resolved. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
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 applied for a loan to purchase a motorcycle and was approved. The dealership submitted the loan documents to the financing company for processing. When an associate at the company processed the loan documents, that employee entered the information for my loan and several other consumers loan incorrectly into the system by adding the information twice. When I noticed the error in XX/XX/2022, I reached out to the dealership, and they followed up with the credit card issuer for the motorcycle. The credit card issuer is the one who confirmed one of their employees entered the information twice for my account and several other consumer accounts. However, instead of correcting the ENTIRE transaction, they merely adjusted the balance on my account, but still reported to all the credit bureaus the higher balance. When I contacted them on XX/XX/2022 to correct the " High Balance '' amount on my credit report, they told me I needed to do that by contacting all three ( XXXX ) credit bureau and then the credit reporting agencies would contact them. The financial institution creating this error ( Kawasaki Credit Card ) should have addressed and corrected this at the time of their initial investigation back in XXXX and not require the consumer to undo their employees error. They did not follow proper protocol to ensure that what they reported on my credit report was " accurate ''. They also seem to be complacent about aiding in getting it corrected and was adamant that " I '' needed to contact the credit bureaus to correct their error. Is this correct protocol/procedure? If so, this is not adhering to the Fair Credit Reporting Act as financial institutions have a " Legal '' responsibility to the consumers to do their due diligence in reporting accurately to consumer credit profiles. Kawasaki Credit Card managed through Citibank did not do this regarding a known error they created and as such is not compliant with the federal laws. Kawasaki Credit Card did not ensure that what they reported regarding my " high balance '', and potentially other consumer 's high balances, was accurate even after they became aware of the error made by one of their employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91803
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: 2022-10-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am contacting you about XXXX and Citibank which I contacted today XX/XX/22 and I contacted XXXX XXXX daily for the past 10 days. Both banks, and indeed many banks today can not deal with some one who does not have a mobile phone. They have one way to verify me and that is through a mobile or cell phone number. I feel this is discriminatory towards people without cell phones for whatever reason. I have no interest in having a cell phone but many older people do not have any idea how to use a cell phone for more than a call even if they do have one. In addition in states other than my own which gives free cell phones out to lower income people, there are many who can not afford a cell phone. I have been barred from my online account at XXXX over and over and have a limit of {$500.00} per day for 10 days now to use my account. Citibank will not issue me a debit card as they can not verify me. I think that all businesses should have more than one way to verify someone. I have spent at least 30 hours on the phone with this issue in the past XXXX weeks. I am required to walk into the bank in person. I am not a shady person but I am trying to have all the rights of a person with a cell phone. I think there should be a second way to verify customers. I also would like to complain about another issue and that is that one can not have a debit card and separate ATM card any longer. I have been told it is for security reasons but this decision is anti security. A debit card is not at all secure. Anyone can take my debit card into any number of retail places where you can use it for up to {$100.00} with no one asking for a pin or looking at the back of your card to verify you. An ATM card is very secure as someone needs to know my pin to use it. Therefor e I feel secure carrying around an ATM card at all times in case of need but I do not feel secure carrying around a combo card that has an insecure debit card attached to it. Why did someone make that decision that these two should be combined thereby decreasing the security of my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I went into Macy 's to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a Macy 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called Macy 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from Macy 's. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from Macy 's and owe them nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I opened an account with Citibank for a new checking account. I signed up for the Citibonus account in which I qualified for and met the incentives for yet I never received the bonus. I transferred my savings money from my longtime local credit union account into my Citibank account. I chose Citibank because I thought it would be a more trustworthy bank to work with and would keep my money safe. From the end of XX/XX/XXXX to XX/XX/XXXX, I built up my account with Citibank. During this span of time, I sold my home and maintained over XXXX which soon after I was given a nice incentive via email, I was eligible to upgrade to Citigold Services with a dedicated Citigold finance team which I excitingly joined. On XX/XX/XXXX, I went under contract for a new home and transferred internally an additional XXXX on top of my already XXXX to my Citibank account in order to purchase a new home. I wrote a XXXX check on Friday XX/XX/XXXX for earnest money for the attorneys office. By Monday XX/XX/XXXX I received an email my account was closed effective immediately. I spent Monday XXXX hours on the phone with foreign Citibank representatives telling me their hands were tied and I would maybe receive my money ( IF any was remaining ) in XXXX days in check form in the mail. I was then told to wait XXXX hours to call back to find out why this happened. I told them I wanted my money expedited and that I had moved and would need to update the address they were mailing my check to. They said they would make a note on my account. As for my home I was under contract for, I had to call the lender and attorneys office to warn them the check may bounce because Citibank suddenly closed my account. After not sleeping for days over the emotional distress over this situation I contacted Citibank again only to spend another several hours being given the exact same information as day XXXX. No one would or could help me and would give me XXXX information. At this point I realize my money has been stolen for all I know. I have now become a victim to Citibank and its unethical behavior by the withholding of my money. They do not care nor will respond. This is pure and utter negligence on their end. All calls were handled via foreign representatives who had difficulty speaking XXXX and would not give me information about my account and my money. They all read off a script. I was hung up on, mistreated by a man speaking over me and down to me, as well as treated and spoken to like a criminal by countless Citibank representatives. Citibank refuses to acknowledge calls and responded in a robotic automated email to my formal complaint made to the XXXX of XXXX saying they can close any account at any given moment without reason and without advance notice as they please and they can do this because its in their client manual. This response is negligent and unacceptable. I appealed the response from Citibank to the XXXX of XXXX and sent a fax and letter to the XXXX of XXXX and never received any response. The FDIC will not help me. I had to cancel my contract on my dream home and lost over {$1200.00} in appraisal fees and inspection fees because I could no longer abide by the contract or afford to get the home with my money Citibank is withholding. I have been staying with friends and family as a result until my money is returned. I have been victimized, stolen from, targeted, and discriminated by Citibank and its representatives. I want my money returned immediately. This has destroyed my life, and I have lost countless hours of time from my life. The emotional distress this has taken over myself and family I support has taken a major toll on me. This is despicable that a bank can wipe out a single moms account like nothing without notice and without reason literally overnight. This is illegal, immoral, unethical, and outright theft. Citibank will not tell me how much money is showing in my account that is due to me when they closed the account effective immediately the day of notice. They will not expedite my money back to me as mentioned in their original email saying they were closing my account on XX/XX/XXXX, as well as they will not update my mailing address to mail me my check for my remaining funds. They will not tell me why my account was closed suddenly without any notice. They will not give me a bank statement. They gave me XXXX information and will not give me my money back and are withholding my funds without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I sent out a formal letter to the CEO of the company informing them of the XXXX laws and United States Codes to give me a conditional acceptance of credit to my account with an explanatory statement which they have received it on XX/XX/2022. Now here 's what I don't understand. I was given the CONDITIONAL CREDIT FOR PAYMENT in the amount of {$7800.00} through their dispute department which I've received an email stating that it was credited for that amount but for some strange reason the company reverse the payment back to it's original amount. Secondly, I also ask for their XXXX to stay in compliance with the IRS but they refused by stating that there supervisor are not aware of the XXXX. Now I specifically, stated I was instructed to do so and must clearly notify the addressed entity that : The IRS requires you to furnish your TIN and that failure to furnish such TIN subjects to penalties and fines imposed by the IRS. And on top of that their representative made a claim stating that they previously reached out to me about the {$7800.00} but I did not respond back and since they so-called haven't heard from me they to start a new investigation that they had. Unfortunately, they couldn't find the payment which is completely false. If they did not get the payment then why was the account credited in the amount of {$7800.00}? Thirdly, I did not get any notification from them through email or by mail at all that completely false because I check my emails and mail daily. lastly, CITI Bank Corp has violated my rights under UCC 3-603. TENDER OF PAYMENT, XXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. NEGOTIABLE INSTRUMENT, XXXX. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, XXXX. Performance or Acceptance Under Reservation of Rights, 15 U.S. Code 1666b - Timing of payments. Claim : Claimant is forced to use the compelled benefit of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to XXXX XXXX ( all debts are the obligation of the United States, Inc. The contract signed with your company was done fraudulently ; a ). There was no FULL DISCLOSURE ( I was not told that I was creating credit with my wet ink signature ; b ). There is no EQUAL CONSIDERATION ( Your company brought nothing of value to the table so have I nothing to lose ; c ). LAWFUL TERMS AND CONDITIONS are based on fraud ; d ). There is only XXXX WET INK SIGNATURE when there needs to be XXXX signatures ( a corporation can not sign a contract because they are soul-less entities and no third party can sign for a corporation ). NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default ; Notice to Respondeat Inferior is Notice to XXXX XXXX Notice to XXXX XXXX is Notice to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
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: Hello, I have fraudulent charges reported to the Citi Visa Card and no actions were taking by the card issuer. I did report stolen credit to the CITI back in XX/XX/XXXX, also police report was filed with the local police department and somehow charges for {$16000.00} still listed on the statement. Please see those charges below : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An ExxonMobil Credit Card through XXXX was opened using my identity. In XX/XX/2022, There was a charge of {$56.00} to this credit card which I believe was used for gas. I contacted ExxonMobil and they immediately began an investigation. What I wasn't told, was that during the investigation, they would be racking up {$30.00} late fees which is now at {$370.00}. I gave ExxonMobil all the information needed as to who opened the account, but still left me responsible and ruined my credit score from XXXX to XXXX. Had I known all this would happen, I would have just paid the {$56.00}. Exxon just cleaned their hands of {$56.00} & sent me over to collections. The other gas cards that were opened fraudulently using my identity were resolved immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92227
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A