Date Received: 2022-10-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX/XXXX/2022, I called Citi XXXX XXXX XXXX XXXX XXXX Customer Service at XXXX. I did not want to pay {$99.00} for the next year membership and wanted to cancel my card account. A customer service representative told me if I pay the {$99.00} membership fee and spending {$1000.00} in 3 months, I can get XXXX mileage reward points of XXXX XXXX. I believed what he said and paid {$99.00} membership fee on XXXX/XXXX/2022. I spent more than {$1000.00} in 3 months since XXXX/XXXX/2022. On XXXX/XXXX/2022, I called the card Customer Service about my reward mileage points. I was total the reward mileage points are NOT XXXX. I can only get XXXX mileage points instead. I believe that the Citi XXXX XXXX XXXX XXXX XXXX Customer Service cheated me. This is business fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
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: XXXX XXXX reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2XXXX they are violating FCRA guidelines. I have proof of payment as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello. Citi bank has stolen my money and is refusing to discuss the matter with me. This situation began back in XXXX of XXXX On XX/XX/2022, Citi bank suddenly marked my checking account for closure without providing any explanation other than the bland email that was sent to me. I called numerous times to get an explanation and to retrieve the money that was in my account at the time of closure, but I received awful customer support. There was {$4700.00} in my account at the time of closure. In addition, on XX/XX/XXXX, prior to me receiving notification of the closure, I had some of my money transferred to my Citi checking account via 2 entities, XXXX and XXXX.These deposits amounted to {$4700.00} and had fully processed after my account has been marked for closure. After a gruesome 2 months of constant perseverance, on XX/XX/XXXX, Citi finally agreed to send me the INITIAL {$4700.00} that was in my account. Mind you, this was after Citi bank had adamantly claimed that the money in my account was not mine, which of course is false. In XXXX, I received a call from an analyst who said my money in the account at the time of closure would be getting sent back via a check, but not the other funds that were sent to me. I asked about the other funds, to which she said that it was returned to the sender. This was a lie as proven by the email I received on XX/XX/XXXX which states, " The additional funds that were in the account at the time of closeout all were in the name of third parties. We are unable to return any third-party funds ''. Citi bank has my money and has not returned it. Surely a bank customer can be the rightful owner of deposited funds without his/her name because in the memo of the deposit. I reached out to the senders numerous times and have found out that nothing was sent back. Once again Citi bank has lied to me. I called Citi to get this matter addressed once again, but the representatives in the Citi bank XXXX response unit have proven to me misleading, deceptive, and wholly untruthful with me in our dealings thus far. Furthermore, they have not been returning my calls and are refusing to communicate with me about this matter, despite them having MY money. I am hoping that will change. It is of my belief, based on their treatment, that Citi bank is discriminating against me on the basis of my age, ethnicity, or race, or the any combination of those factors. The blatant disregard that they have displayed towards me is unjustified, right along with the complete refusal to return my money to me. If this goes on without being addressed to a higher authority, I believe Citi will subject many of their other customers to this unfair and cruel treatment, which Is why I refuse to let my concerns fall on deaf ears. I will continue to persevere until Citi bank returns my money to me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hi i had an account with Citibank and someone did fraud on my checking account They cashed in a For {$10000.00} and i disputed the check an it took them 5months to investigate and to tell me they couldnt help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Citibank sent my new Citi Priority Debit Card ( CPDC ) to a non-address in XXXX by omitting the last digit of my house number in my mailing address. And my mailman did not ask if anyone in my row of townhomes was expecting an evelope from the US. As a result, my new CPDC was returned to the sender and subsequently destroyed. My mailing address had been entered incorrectly or changed in my account without my permission, as the email sent by Citibank informing me of the imminent arrival of my new CPDC was full of abbreviations, a shortcut that was not my doing as my communication with Citibank service representatives on XXXX shows. Moreover, the change mailing address feature in my online account has been disabled for some time. In order to have another CPDC sent to me, Citibank required that we go on the phone. We did just that and Citibank proceeded to have me fail their personal question test, because the service representative asked me for an " alias '' which I might had used when opening this joint account instead of for the name of the co-holder, who is my father. The confusion threw me off, and I told the representative I had heard what sounded like the mentioning of my father 's name at the end. When pressed for an answer to a possible " alias '' used, I could only say " none of the above ''. I was told that I had failed the personal question test. One strike against me, and I was out. I would like to add that several of the multiple choices provided for the " alias '' I was asked to choose from, were poorly pronounced XXXXsounding names. I ask Citibank : Where is that training for cultural literacy and an end to racism? I expect a well-known American multinational financial services provider to be more professional. PS : I have attached XXXX ( XXXX ) screenshots of evidentiary materials to support my case. Attachments # XXXX show our communication on XXXX and an email from Citibank ; XXXX # XXXX shows my expired CPDC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Starting on XX/XX/XXXX through XX/XX/XXXX there were 18 charges on my Citibank account from XXXX which were unauthorized. Based on my conversation with the Citibank Fraud Dept. I was advised that my XXXX XXXX account had been hacked. I was credited the full amount, but then received several letters from Citibank advising that " '' Your claim was researched, however, there was insufficient information to conclude that the above transaction was unauthorized ''. These charges were fraudulent and Citibank is refusing to assist in this matter so that I may be credited the almost {$700.00} in fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
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 have disputed this account several times over 2 years and nothing has been done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to resolve this issue with citi financial/Macys for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. XXXX complaint against Macys XXXX-complaint against citi finiancial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been Citibank customer for nearly 20 years. I held a checking account with Citi. Recently, in XX/XX/2022 I followed their promotion and opened a savings account. I deposited the required balance. I made several withdrawals from the account and also several deposits. At the beginning of XXXX, my savings account was blocked with no explanation. The online access to my checking account was blocked as well. However, the checking account was operational but I did not have any online access. I have been told that I will receive a check within the 3 months for the funds in my savings account. On XX/XX/2022, my checking was closed with no prior warning and no explanation. I found out only because two direct debits from this checking account to my credit cards were declined. I incurred late fees and interest because of this totaling up to {$100.00}. I received the check for the remaining funds from my checking account at the beginning of XXXX. I have not yet received the funds from my savings account totaling more than {$11000.00}. I went to the branch of Citibank. The staff was polite but they could not explain to me what is going on and the only way to find out was to call Citi. I called directly from the branch as otherwise, Citi did not even want to talk to me on the phone. I was transferred through several departments to the department that put a block on my account initially, but the person there could not tell me what is happening. He told me to call after 48 hours. I did call after 48 hours, but it was a similar result : several transfers and promises to send me the check within 50! days. This is after waiting for the funds for 3 months already. When I asked for a more detailed explanation, the person just handed up on me. I called Citi again to file the complaint, but even this was extremely difficult, I had to go through several departments. I am facing lost interest for about 5 month ( Citi did pay interest till XXXX, but it was extremely low relative to their competitors ). I think this behavior on behalf of Citi is extremely unprofessional and plain rude. Remember I was a customer for 20 years!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
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 XX/XX/22, I submitted a dispute to my credit card company regarding a charge from XXXX XXXX lines that was applied however the charge was paid in cash. The credit card company responded back on XXXX that the dispute was closed without properly resolving the issue and providing zero evidence from XXXX XXXX of the transaction. These charges were paid for in cash while on the cruise ship. The cruise ship app which lists all transaction history is no longer accessible while not on the ship. It has now been 30 days since this was originally disputed and the charge is still showing and again with zero evidence of the monies being owed from XXXX or Citibank. At this point the charge needs to be removed before I pursue legal action to remedy the situation. Failure to remove the fraudulent charge will result in a lawsuit. I will be contacting the Texas Attorney General to pursue legal action if this matter is not resolved and the charge is not removed permanently within 48 hours. I will be pursuing legal action against both Citibank and XXXX XXXX XXXX. Please see attached check that was refunded to me for overpayment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A