Date Received: 2022-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CBNA called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
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: At the end of XXXX I received a letter stating my account would be closed and an investigation would be conducted to determine if there was any fraudulent activity. The letter stated N0 withdrawals or deposits could be made into the account. Ovdn XX/XX/2022 the XXXX XXXX XXXX deposited funds into the account and the funds were accepted, but I was not able to access them. I was told once the investigation was complete the funds would be mailed to me. It has been nearly 5 months and they are still holding my funds. I have contacted the bank and been told many different things, but no one can tell me why my funds have not been sent and when I may get these funds,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied online for the Citi credit card and entered info for {$6000.00} balance transfer from my XXXX card so 0 % intro apr would apply. I was approved with {$9100.00} credit limit and transfer was approved with a fee of {$180.00}. I received my card, called to activate it then inquired about the balance transfer. I was unable to get info and told they couldn't verify my identity. My new card was placed in fraud status. I made 6 additional calls to resolve it and was told the same thing, they couldn't verify me. I provided passwords to account and because I didn't have an alternate landline #, they couldn't help. I am worried my XXXX card is compromised because I gave them all my info for a balance transfer. I requested the citi account be closed because it felt like a scam and was told they can't close it because it is in fraud status. I activated it this morning and didn't attempt to purchase anything with it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Citi Bank sent me an invitation by email to open a savings account called Acceleiate Savings. I would receive a {$300.00} bonus with a {$30000.00} balance. It had a code number to identify offer to be used when opening account. It said to open online or call Citi using offer code. This was in XX/XX/2022. I decided to call Citi so there would be no errors in opening. I told the associate I wanted to open the accelerated savings account with the {$300.00} bonus offer and gave her the special offer bonus code. I then sent in the {$30000.00} which has now been there for over six months which is double the time required for bonus. I called in four or five times asking about my bonus and was told they see nothing wrong with the account and I should have received it by now. Three time they messaged a complaint for me and three time I received the same form letter saying the account was opened incorrectly. Apparently she did it wrong because now Citi refuses to give me the bonus to me. It is not my fault that Citi associate opened the account incorrectly..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36092
Submitted Via: Web
Date Sent: 2022-09-29
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: Overcharged for something you did purchase with the card
Consumer Complaint: Saw advertisement in the XXXX pumping area of XXXX stating XXXX cents per gallon discount for XXXX month if you get wawa credit card. After several times and considering the Extremely high prices of gas XXXX cents per gallon would be a Blessing in XXXX for anyone. Finally on XXXX XXXX, 2022 @ XXXX my husband decided to apply for this card. So I used my phone and applied for him as he watched all data I entered and by XXXX we received a response of " You're Approved. Set up your account to access all of your card benefits '' So I replied YES want to Check Card Balance Online, YES want to view statements and letters online. Next had to enter user ID then password. Next CONFIRM your Paperless Statements and Letters Enrollment -- - Which I did CONFIRM @ XXXX. Then the wawa system said " You've set up your account and preferences. Her are your card details ''. Next showed my husband 's name his cr limit & his Variable APR % rate. Next asked did you want to enter additional user. My husband said he wanted to add me as a user with my own card so I entered my name and dob. Now it's XXXX XXXX the XXXX System now shows my name blocked out my dob and said same address -- but listed my last name DIFFERENTLY THEN ACTUALLY IS. My Last name is : XXXX XXXX XXXX -- XXXX XXXX, XXXX XXXX and all other letters lowercase and each word separated ONLY BY SPACES, NO HYPHENS!!, yet their system CAPITALIZED THE D in XXXX -- -- -WRONG WRONG WRONG WRONG. 1st statement ( stmnt ) arrived in the mail and does not display a proper auditable ( in accounting ) transaction number of gallons X price per gallon, and APPLIED DISCOUNT AND PURPOSE OF DISCOUNT APPLIED, XXXX. New CC Customer XXXX cents per gallon, DOES NOT Distinguish GASOLINE transactions from STORE Transactions. XXXX ( XXXX CENTS PER GALLON DISCOUNT ) Cents per gallon discount may or may have not been properly applied, due to no way to prove this is HORRENDOUS statement. Horrific Customer Service Representatives, who are XXXX, and possess no decent customer service skills. In Conclusion I must conclude WE/OUR ACCOUNT was not issued sufficient credit to equal XXXX cents per gallon, nor XXXX cents per gallon for all gasoline fillups past XXXX days. PLUS the amount of time, energy, effort, and supplies in my attempts to amicably resolve all these issues The wawa credit cards arrived at our residence on XXXX XX/XX/2022 -- i have proof it you need it. I has have proof of both calls to XXXX XXXX card and names of employees spoken with, if you need it 1st statement from wawa cr card received XXXX XXXX, 2022 -- see pages enclosed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hi! I am struggling with Citi bank for my credit card payment process. On XXXX, I changed payment checking account for credit card bill on citi website from XXXX bank to XXXX XXXX XXXX account since I was planning to close XXXX bank account. Then I received a confirmation email from CITI. Here is the email Costco Anywhere XXXX XXXX XXXX Unsubscribe To : XXXX # # # # Fri, XX/XX/XXXX at XXXX XXXX Summary of the recent Citi Online session. CONFIRMATION Citi Costco Wholesale Lock Icon XXXX # # # Cardmember since 2014 Card ending in # # # # Thanks for using Citi Online Hi, XXXX. Here 's a summary of the recent Citi Online activity for your Costco Anywhere XXXX. An Online Bill Payment account has been added A payment account ending in XXXX has been successfully added for Online Bill Payment. This action may have been taken by an authorized user. If so, only they will be able to make payments from this payment account. An Online Bill Payment account has been removed A payment account that was previously stored for use in the Online Bill Payment Program has been removed. Payments can no longer be made from this account. Please note that this action may have been taken by an authorized user on your account. Questions? If you have questions or the above was not authorized, please contact us at XXXX. For TTY : Use XXXX or other Relay Service. Please note : Depending on the activity taken in Citi Online, and when those activities were completed, you may receive additional emails. Citi is at your side before, during and after every purchase. Your Citi Team After I received this confirmation email, of course I think everything is clearly changed. It says that I switched to my new checking account information, then also it states that my previous checking account has been removed. However, XXXX was the auto payment date for the credit card bill, then citi accessed my old bank account at XXXX bank-that I removed on XXXX. It occurred overdraft fee {$30.00} from XXXX bank. I did not realize right away until I got a call from XXXX bank on XXXX around XXXX in XXXX XXXX XXXX They told me I do not have enough fund to pay the bill from citi bank, and this was their XXXX attempt. I told them I no longer deposit at XXXX, I switched to XXXX XXXX XXXX. Citi should not access my account at XXXX. So, I called the customer service at Citi credit card bill payment department. I talked to a staff whose name was XXXX, and she told me that their system had my XXXX checking account and it is linked to my payment. I told her it must be an error that your system had, because when I logged-in citi website XXXX it clearly showed only one linked account, which was Bank of Hawaii XXXX She seemed to be confused and told me she should waive return fee from Citi bank. But I told her Citi was responsible for my bank 's overdraft fee. She said she couldn't help it. I was going to understand her, however, I got another call on XXXX from XXXX bank saying that Citi sent payment bill AGAIN, and the teller told me she would return it again and it would be {$30.00} return fee. So, total {$90.00} fee occurred from Citi bank 's system error. I called again to Citi customer service, and they told me that it was because citi sends payment request to the bank 3 times. So, I explained that I called on XXXX for the same issue then happened again. I requested to pay me overdraft fee from their system error. But, I was told that it happened because I only updated payment information, not auto payment. They told me those are 2 different payment information. I told them no, when I logged in, auto payment preferable account was bank of Hawaii. Your system has a glitch. I also mentioned my e-mail clearly that I received on XXXX. I am very concerned that my account was not correctly on their system, even though it does not show on my account page. They are blaming me for not updating correctly without clear information. I'd like them to pay all the cost that occurred from this. I really appreciate your time for reading such a long e-mail. Please help me to resolve this problem. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My credit card with Citi has a 0 % APR rate sale so all new Purchases for the past few months should be eligible for 0 % APR and {$0.00} interest. I also have a Citi XXXX XXXX on account which is at 0 % APR and {$0.00} fees. I however was assessed XXXX cents min interest charge this month even though I paid my min pay due on time via Auto pay. the min interest charge is disclosed as a fee per Card Act but is essentially a flat interest the Bank can charge when the amount of calculated interest is less than XXXX cents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XXXX I accidentally paid {$4500.00} in my Citi Double Cash Mastercard via the Citi app. This was my error as I inadvertently put in an extra zero, I meant to pay {$450.00}. On XXXX I noticed the error and contacted Citi customer service to advise of the error and ask for a XXXX refund. The Citi representative advised that they would process my refund and I should receive the money in my back account in 3-5 business days. XXXX Citi bank lowered my credit limit by {$4500.00}. XXXX I called Citi and the representative advised I would have my money in my account on Friday. XXXX I called again and for the FIRST time Citi advised that I actually did not have a refund in process but that they had to approve the refund. I was obviously upset and was transferred to a manager. The manager apologized for the error and indicated the associates were wrong and they would be re-educated. He provided me with a {$180.00} credit for inconvenience and said he make sure I get a call about the approval decision by XXXX XX/XX/26. XXXX I called Citi and asked about the status of my approval and they indicated it was denied because an {$4000.00} refund would extend my credit limit. I spoke with a manager and advised I was an attorney and I was initially told that that I would receive the refund and was not advised about the review. Furthermore, I thought it was a questionable practice that they lowered my credit limit by the exact amount of my payment after I advised the payment was in error. The manager said the credit limit decrease was merely a coincidence. However I informed her that I had this card for 5 years and have never had a credit limit decreased and the timing was questionable especially since that was the amount of my overpayment which they were aware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My name is XXXX XXXX, I have CITI checking account ending XXXX. I have an emergency to move the money from CITI to XXXX bank by the end of XX/XX/XXXX. There is something with the CITI XXXX banking that shows the incorrect available balance information in the checking account, see the attached PDF file for the transaction history showing the IT errors. On XX/XX/XXXX, it shows I have an available balance of {$31000.00}, so I initiated the {$20000.00} outbound transfer. However, the XXXX bank told me the transaction is rejected due to insufficient funds in my CITI checking account, which is not the case, as you can see from the transaction history, even after transferring the {$20000.00}, the available balance is still {$11000.00}, which is not negative balance. I think there is some IT issue with showing the correct available balance in my checking account, which causes me to transfer money more than I have in the account. In order to meet the deadline of XX/XX/XXXX, I have to send a wire transfer to the XXXX bank, but CITI charges me {$25.00} for the wire fee, which is not reasonable at all since if CITI has no IT problem, I no need to send the wire. I called CITI customer support and they told me the wire fee will be waived. But I don't see it happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A