Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I received an email that Citibank lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now Citibank is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within 1-2 months max. None of this recent actions are justified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new Citi personal bank account around XX/XX/2022. I received a promotion stating if I deposited {$200000.00}. I would receive {$1500.00} interest after 60 days. I deposited {$200000.00} right after opening the account. On XX/XX/XXXX, I received an email saying that the terms of the client manual were violated and my account would be closed within 60 days and funds would be disbursed to the address on file. I still have not received my money back. I have called multiple times and visited multiple branches and no one can or will explain what is going on. I am told that a letter is being sent that will explain everything but I have never received a letter. The address on file is where I received my ATM card so I know the address is correct. it has bee 6 months and citi bank has not returned my money or allowed me to access it. Every time I call and talk to someone about this I am told that they are working on it and to just wait another week. I call back a week later and am told the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened Citi Accelerate saving account on XXXX XXXX full funded by a 2 transactions of XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX total is XXXX. by XX/XX/XXXX i noticed that i can't login to my citi bank, almost after over 14 hours in 2-3 days calls i was finally able to resolve login issues as i found a fraud has happened to my account and a transactions has been charged to my saving account from an ATM while i didn't even received the card yet! transactions as below : Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ total of {$1200.00} dealing with Citi support was a nightmare opened multiple cases they keep denying its a fraud and they don't even provide any evidence! case # XXXX Case # XXXX i believe ATM 's have cameras on it and as an owner of the money why i need to pull it this way! its clearly fraud please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I opened a credit card with Best buy and unfortunately I did spent the whole thing right away and didnt pay it back on time maybe a few times I dont remember, but thats on me. However they reduced my credit limit at a time I was paying my credit card on time every single payment and even continuously paying my account on time they were dragging my credit down the hole. Then they dropped me to {$350.00} limit and put my available credit at {$0.00} so anytime I spent anything on the card it dropped my credit and notified me I have overspent. It has continuously taken my credit down due to it being a {$0.00} available credit, I was doomed if I used it and doomed if I didnt. Its been a few years on my report. They also spelled my name incorrectly on my card and it has been incorrect for years. When I told an associate they said it was fine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48473
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I deposited a promotional check sent to me by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX offered to use the check for any amount I needed up to the credit limit. I need to pay taxes on XX/XX/XXXX, so I tried to deposit a {$10000.00} check on my Citibank Account using the Citi XXXX on my XXXX. When I try to deposit the check, Citi XXXX prompts me with a message advising me that an error occur and to try again later. Since I needed the money, I went to the Citibank branch directly, and the check was deposited. On XX/XX/XXXX, I received an email that said : We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. On Saturday, I received a call from XXXX XXXX XXXXXXXX requesting to confirm the check, and I proceeded to verify the check. On Monday, I went to the bank to find out what had happened. It appears that Citi XXXX accepted the check that I attempted to deposit on my XXXX after all, and it looks like if I tried to deposit the same check twice, that violated the terms of your account per the client manual in the bank 's eyes. In my eyes, I never attempt to deposit the same check twice ; I only follow Citibank XXXX instructions to deposit the check later. Since I have a credit line available, XXXX XXXX XXXXXXXX pays the check twice and charges {$20000.00} to my credit card balance. So, on Monday, XX/XX/XXXX, I had a balance of more than {$27000.00} available but was blocked. I went to the branch and spoke with the manager, explained everything, and told her that I needed to pay taxes to the IRS. She allowed me to withdraw {$13000.00}. She told me that I would get the rest after investigating what happened and that it could take 60 days. Sixty days passed with no clear answer from Citi. I spoke with XXXX XXXX XXXX, and in repeated conversation, they told me everything was right. The check was paid twice, as it is reflected in my credit card statements with all the corresponding charges for check utilization and the amount requested. After 60 days, I wrought a presidential complaint, explaining what happened. They answered with a letter explaining that my account was closed. Not only that, but my wife 's account and saving account were also closed. Every time I asked for my money, they told me that I would get it " anytime now ''. That never happens. This week will be 160 days since Citibank took my money, and in a call last week, I was informed that they would not give me back my money, but no clear explanation was given, only that it was not mine, but they dont know who the owner of the money is. Again, I went to XXXX XXXX XXXXXXXX to see if there was a problem at their end, and the answer was no problem whatsoever. So, Citibank closed my accounts, kept more than XXXX dollars for no reason whatsoever, and gave me no resources available or way to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Opened a new Citi XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX based on promotional material offering XXXX air miles after making XXXX dollars in purchases within 3 months of opening account. I received this offer in the mail. I was instantly approved for the card but to my surprise was issued a credit limit of XXXX dollars. I thought this was very unusual since my XXXX credit score runs 820+ for the past several years and I automatically pay posted charges such that I do not carry any balances. I have a XXXX XXXX XXXX credit card which I was provided with a credit limit of XXXX dollars. I immediately started using my new Citi card with the goal of meeting the XXXX XXXX3months to qualify for the promotional air miles. Quickly noticed that despite making electronic bank payments through the billing cycle to ensure that I am able to continue purchasing and not exceed the ridiculous low credit limit, that my payments were posted as " pending '' and my available credit did not change despite paying and not having a balance. This pending period ran 7-10 days. I contacted customer service requesting increasing my credit limit and was declined because my account was " too new ''. They blamed the excessively long " pending '' period on bank processing. After multiple direct bank payments, I contacted customer service and was again declined increase in credit limit and told that it normally takes four payments and thereafter should not have this problem with my available credit being updated to reflect payment. On a third call, was informed that that my bank payments had gone through, and they could not explain why my available credit took so long to update. During this time I received a copy of my XXXX score report and noticed that my credit score which was XXXX in XXXX had dropped to XXXX in XXXX. The reason listed was that my credit utilization/available credit ratio was high. During this entire time, I have not made any large purchases, new loans etc. I strongly believe that CitiBank engages in abusive and predatory practices, are the source of my declined credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citi claimed they have sent a letter containing my account number on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any letter and I still don't know my account number that I opened more than a month ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Following my last complaint to the CFPB, Citi has retaliated by restricting my account, even though my account is current and I have not breached the contract we have in any way. Furthermore, the situation began when they revoked my access to my online account without cause of any kind, then proceeded to refuse to acknowledge the problem, let alone make any attempt to right the problem. This is the second time this year they have done this. Since I was enrolled in paperless statements, and Citi does not think they are doing anything wrong because they have no integrity or work ethic, I have not received a statement for 2 months. Citi is refusing to correct their errors because they don't like that they are getting cussed out on a regular basis. Last time I checked... having your little feelings hurt doesn't negate the contract we have. You are required to provide me with a monthly statement for my account, and you are failing to do so. As there is currently no physical way for me to pay on my account or manage the account otherwise... I'm not sure how you are expecting that I make my payments, as your customer service team doesn't know how to answer the phone. I am left with no choice but to consider your lack of cooperation as a refusal of my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. I would like the hard inquiry removed from my report. This was my home depot credit card through Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In response to a splash invitation when I was online with citi.com, on XX/XX/22, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$90000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/22 ) with very little information about why this action was taken and when I would get my money back. When I tried calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. I was rudely treated by the Citi phone representatives, with one of them even hanging up on me during an otherwise civil exchange. Because there was an opening bonus incentive ( {$450.00}, if memory serves me ), I immediately started making XXXX deposits after opening my account, and had over {$100000.00} on deposit within just over a week of my opening the account. I then authorized some XXXX withdrawals, one of {$10000.00} on XXXX XXXX, and another of {$10000.00} a few days later. Because of that second ACH withdrawal, a fraud alert was triggered, and I was telephoned by Citi to confirm that the XXXX transactions were legitimate, which I did confirm with the fraud representative. Nevertheless, my account was frozen and eventually closed ; when I attempted online access, I just encountered a nondescript trouble signing on message that led me to contact Citi agents for help, but initially, the agents didn't even understand the status of my account and what I could do to fix it. I don't understand why my account was closed even after I confirmed the legitimacy of my ACH transactions. I don't understand why I was not immediately sent at least an email explaining that the fraud investigation was continuing, and what steps I should take to resolve the fraud suspicion. I don't understand why I was not personally contacted by a Citi representative for instructions on how I wanted my money refunded. I don't understand why I was rudely treated when I attempted several times to talk with a Citi agent to get resolution. I don't understand why the letter sent me had so little information, including incorrect number instructions for reaching the appropriate department. I don't understand why, as of today ( XX/XX/22 ), I still have not received my refund check, nor has Citi given me a clear idea of when that will happen. I have phoned Citibank five times about this, repeatedly asking for elevation of my issue. Today, I finally reached a supervisor ( XXXX, # XXXX ), but he just told me that he has no way to contact the Citi department that has jurisdiction on this matter, and he refused my request to elevate the matter to a competent authority.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A