Date Received: 2022-09-30
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I have two CD accounts in Citi Bank which I opened two years before ( Renewed on XX/XX/XXXX for another 1 year ). Currently it has balance of XXXX USD. Both these accounts are matured in XX/XX/XXXX and it is automatically renewed for another 1 year. As I needed money for some personal need, I decided to withdraw the money in the month of XX/XX/XXXX and I approached Citi Bank. But now they are telling me that I have to pay penalty for the closure of these CD accounts which is more than the double the amount of interest I got last full year. I am complaining about this because Citi Bank doesn't provide any option for the customers to stop automatically renewing the CD and customer has only one week time window to withdraw the money after maturity. If you miss this window, account automatically renewed for another 1 year and if you need to close the account, you have to pay the penalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In short, I was subject to fraud on my CITIBANK checking account on XX/XX/XXXX, and upon investigation, CITIBANK denied my claim on XX/XX/XXXX, responding, ' ... these transfers and the activity appears to be consistent with your normal banking activities. As such, we are unable to honor the request for reimbursement. ' I asked them to reopen the investigation 2 more times and received a similar denial on XX/XX/XXXX and XX/XX/XXXX, 'With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. ' FACTS : On XX/XX/XXXX, a man called me claiming to be from CITIBANK and said he was calling because there seemed to be suspicious activity on my account. He sent me emails while we were on the phone with CITIBANK letterhead so it looked convincing. He asked for personal information which I gave him ( stupid ) b/c I was panicked. I was logged into my CITI account while I was on the phone with him watching as the funds were being deducted from my account. There were 2 withdrawals made for : {$2400.00} and {$2400.00} within a second of each other which is not in keeping with my normal banking activities as CITIBANK claimed above. Once I got off the phone with him, I called CITIBANK back right away and realized it was fraud because customer confirmed, no one had called me from the bank. I was transferred to multiple people over the course of TWO hours, my call was dropped twice and no one could get me to the right dept. I finally landed with the right department, explained what happened and asked for a hold to be put on my account. The next day, I went to my local branch in Mt. XXXX, NY, because I had to talk to a human IRL to get to the bottom of this. The manager and her associate were AWESOME! They said no one I had talked to the day before had put a hold on my account so that was almost 24 hrs that the criminals could have withdrawn more funds!! Luckily there wasn't more to take! There were also no notes, nothing written in my file from the 6 people I spoke to the previous day after being on the phone for 2 hours. The manager looked at the emails they sent and thought it might be an inside job because they looked realistic. She helped me open 2 new checking accounts because of the 2 that had been compromised. I called CITIBANK again to put in a request for an investigation. No one from CITIBANK ever called me to ask what happened after any of the 3 investigation requests I put in so they have NO information about what happened. I've been banking with CITIBANK for over 20 years and this is outrageous. Every time I call, it's a minimum of 2 hours because I keep getting transferred to the wrong area. Also, the manager at the branch could only help me so much. She said she has to call the same number for fraud that I have, there is no direct line in which I thought was terrible. Please let me know if there's any additional information you need from me? Thank you! XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited XXXX good checks from XXXX into my citi saving account. Citi scanner is not right, and returned XXXX checks as bad checks. I spent a lot of time and talked the XXXX who paid me, and XXXX, and confoirmed both are good checks. I chatted citi, and chat asked me to deposit at a local citi bank. I went there, the local office called XXXX XXXXXXXX with me and confirmed they are good checks. so we deposited again. XXXX : Citi cashed one check and returned another with {$2.00} and fined me fee. I chatted again, the agent agreed to return the fee and {$2.00} As today {$2.00} was losing, he did not credit as what he told me. I chatted again, citi rejected to tell me who I can complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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 have been with Citicards for over 19 years, and in XXXX, I had a recent experience with over {$13000.00} of fraudulent activity, where at Citibank and CitiCards handled it extremely poorly. They ended up giving me a credit for the investigation, but not right away, and they would not allow me to use my card, so I applied for a different credit card with a different bank which I got approved for and canceled my city card because I needed to use a credit card right away. I had a bill from Citicards that was due in on XX/XX/XXXX, which would have been my last bill with them. I called up because some of the charges on that bill on that statement were some of the fraud charges, and I just wanted to be sure that I got a credit for all those charges and that I was not paying for any of those fraud charges. The representative told me to pay for only the amount that I charged ( {$1700.00} ), and not any of the fraudulent charges. I added it up about three times, just to make sure everything was accurate and I paid that amount. I also confirmed with her that I would not receive any interest charges because I was not paying for any of the fraud charges on my account, and she said that I will not receive any interest charges. I Paid the bill and thought everything was all set. A week later, I get a another bill from CitiCards, but the representative told me I would not be receiving another bill from them because I did not use the card since the middle of XXXX. The bill was for over {$500.00}, plus I got charged interest on that bill, which the representative told me I would not get charged interest on. I called again and I was on the line for over an hour and a half, speaking to different people. I spoke to manager, XXXX in Arizona, and he was back-and-forth with the security department, but they could not figure out what was going on and he said he would call me back. He never called me back that day, but I did receive a voicemail from him on the next day. I tried calling him back, but he was not available, so I left a message for him to call me back and he never did. It is now two weeks later and this mystery bill that I received is due in a week, that I do not owe any money on. I tried calling this morning to speak with somebody to rectify this so they can figure it out on their own time and give me a call back, but I was hung up on five times this morning. I was given miss information between departments who I needed to speak to. I was transferred seven times between different people. I asked to speak with a manager who can rectify the situation, but I was transferred between customer service, between security operations, between fraud department, and nobody seems to be able to help. After the seventh time that I was transferred, I hung up the phone and just said I was going to file a complaint because nobody over there seems to be able to figure out the situation or knows how to help me. This mystery bill is due in a week, and Citibank will destroy my credit if this is not resolved. Its not fair, considering this is something that I do not owe, so I would like at a higher up manager to contact me to figure this situation out, so I am not given the runaround and being transferred amongst all these different departments who can not help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Home depot credit cards based on ( Citi ) is advertising 6, 12 months and 18 months financing and promotional- no intrest to deceive people. I paid card due on time but after that promotional period, Some balance was left. On month of XXXX XXXX I was charged {$650.00} on interest. I was shocked to see that. Based on the information I was told promotion is intrest free and interest accure after promotion end for balance left. XXXX in Home Depot informed us what type of promotional offer was it. So, I called homedepot credit and told the promotion is decieving. They are unwilling to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2021 through XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX, XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have paid off 5 accounts on my credit report that has been posted and I have already paid it off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account was hacked. Hacker sent a wire transfer instruction for {$40000.00} going to another person at the XXXX XXXX XXXXXXXX. Citibank wired the funds WITHOUT ever verifying with me to ensure I issued the wire instructions. This is in direct violation of the Security Procedures promised by Citibank in Page 19 of its Client Manual. I filed an Affidavit of Unauthorized Online Wire Transfer ( Case Ref : XXXX XXXX ) on XX/XX/2022. So far I have not heard from Citibank at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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: My wife and I went to XXXX XXXX to inquire about getting some new laundry room cabinetry and a sink installed in our home. We went through the consultation with the XXXX XXXX installation department and found that we wanted to move forward with the project. We had one of their insulation technicians come to our home to mock up the floor plan for the laundry room. Everything went well and we were extended a line of credit of {$14000.00} to complete the laundry room. We were told that the waiting time would be about 6 to 9 weeks. A contract was signed on XX/XX/XXXX and the estimated installation date on the contract was for XXXX. Once XXXX had come and gone, my wife started to try to contact XXXX XXXX to get information on our install. The people we were calling, and XXXX and a XXXX from XXXX XXXX which were on our contract, were unresponsive and not able to give us any information regarding our account. We had consistently calling for months to get update and received no information. More importantly, the terms of our agreement with XXXX XXXX for the cabinetry and sink insulation started requiring us to make payments on the 24 month no interest financing that came with the order. We made a total of six payments with no product installed and no updates on the process. Ive began to get involved in the process on XX/XX/XXXX and I called the credit card provider for XXXX XXXX to stop charging due to breach of contract. I also tried to reach XXXX, which I was unsuccessful and left him several messages. I spoke to XXXX XXXX at XXXX XXXX in the insulation department, and she informed me that we were on schedule to get our product in XX/XX/2022. I informed her at that time that that was unacceptable, as this was the first that we had heard of any delays in anything or gotten any information on the status of our project. She also stated, which I documented, that the supplier sometimes had run behind and that was the reason for the delay. To make matters worse, even with all of the lack of communication from XXXX XXXX side, they informed us if we canceled the order they would charge us a 35 % fee which is stated nowhere in the paperwork that we signed. XXXX finally responded via email once I sent an email to the installer demanding a full refund for the {$14000.00} that was showing up on my credit report and also the payments we have made on a product that we do not have in our possession. I informed them that I refuse to pay for something that I havent received and Ive been making my payments and living up to my part of the obligation of our contract. XXXX XXXX and their installer are in breach of contract not myself and my wife. The week of XX/XX/XXXX, I had inquired when production started on our project with no response from XXXX. Then, in an email from XXXX XXXX, she stated that production had started on XX/XX/XXXX. Again there was no communication of any production happening on that date prior to this documented email. I feel XXXX XXXX is being deceptive in their practice and trying to get me to pay for something that I dont have. There have been several attempts to get this resolved. XXXX XXXX has not been accommodating and Ive been passed around through several departments with no resolution. I feel that XXXX XXXX is using deceptive practices to keep my credit while they scramble to get something produced that I no longer want because of the excessive delays and lack of information. The {$14000.00} charge has been on my credit report since XXXX and I want it removed and a full refund. We also want the payments that we were making back from XXXX XXXX I no longer want to do any business with their contracting team.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had previously submitted a complaint regarding my citibank checking # XXXX account about a year ago. They had closed my account which they told me was because I had business funds deposited into a personal account. But it was later discovered that they reported the closure as fraud and now i am unable to open another bank account else where. This was shocking and outrageous to me as I had submitted numerous documents proving that the business and the funds deposited from sba did in fact belong to me. Those documents were submitted with my last complaint. The reason for this new complaint is because after about 8 months of waiting for the balance on my account at the time of citibank 's closure to be refunded to me, I still had not received the monies or any communication from citibsnk, I reached out to them again requesting information on the whereabouts of the {$4300.00} balance in my closed checking account. They informed me that they needed me to provide my schedule c from a previous year, which I would find and email to them. When i emailed again asking the status the balance to due me since i provided them with the information they had requested from me to be able to release the funds to me, they informed me that they will not accept my schedule c, which is in fact the document they requested to be able to refund my balance to me. They gave me no explanation as to why they would not accept the document that they had requested and also informed me that they would no longer respond to my inquiries regarding this matter. I have no idea how a financial institution can legally withhold the balance of an account that THEY closed without ever even informing me that they were going to close, or giving me any opportunity to withdrawal my money before closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A