Date Received: 2022-09-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have banked with Citi for more than 25 years. In late XXXX of this year, I deposited a check I received for some consulting work. It appears that the check was fake. Even though I was a victim here, Citi froze all my funds, more than {$70000.00}. The bank has refused to allow me to close the account and has refused to allow me to withdraw my funds. I have made numerous efforts to get an explanation for why my funds were frozen, and I have made numerous efforts to get the bank to release my money. Citi has refused. Furthermore, Citi has refused to tell me why my accounts were frozen. As a result, I have suffered serious ongoing hardships. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a case previously. The case number was XXXX. I was informed that the outstanding balance was closed. I am now getting billed again. I can't log in to Citi. I don't have the credit card anymore. I received this 5 hours ago ..... Your payment is past due Please make a payment. Hi, XXXX. Your payment is past due on your Citi / AAdvantage Card account. By making your minimum payment within this billing period, you can avoid any unnecessary late fees. You can make a payment immediately on the CitiXXXX XXXXXXXX, at Citi Online or by calling us at XXXX ( TTY : XXXX for hearing and speech impaired only ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
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: This dispute should have been resolved within a month but has been still been pending for last two months and Citi bank is trying to resolve it with XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I am not aware of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2022 at or about XXXX XXXX, I submitted a CITIBANK " FLEX LOAN '' with the following terms on the " agree and Submit '' page, to wit : Loan Amount {$10000.00}, APR 5.99 %, Monthly payment {$200.00}, Number of Payments 60 - delivered to my XXXX account. Any reasonable person reading this promotional offer would understand that to be tantamount to a loan payment for a car fixed for 60 months. Upon receipt of the first statement it was noticed that the first payment was {$260.00} adding interest of {$57.00}. When called, Citibank stated that this was not the case but that interest was added each month to the unpaid balance- NOT WHAT WAS REPRESENTED BY CITIBANK NOR WHAT WAS AGREED TO AND SUBMITTED. Citibank had the nerve to inform me that I could ( 1 ) cancel this loan and pay it back or ( 2 ) cancel the loan and go to the higher 23.49 % interest rate immediately. Both options are totally unworkable and may, down the road, force me into a XXXX XXXX situation. I used this so called LOAN to payoff other higher rate credit cards ( which can not be undone ) and thought I was getting a loan with fixed monthly payments rather than a disguised cash advance from a credit card company - have a bunch of those- but chose this approach to get a fixed loan for 60 months not a credit card whose outstanding balance goes down each month with a payment. If this is not Fraudulent Misrepresentation I do not know what would qualify for this type of misleading and predatory offers that do not disclose the interest payment is added to the {$200.00} payment as described herein. I am between a rock and a hard place and I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am not aware of the accounts of these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Citibank is harassing me by the numerous phone calls. This is a violation of 15 USC 1692d ( 5 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: After numerous problems using the credit card, I am now unable to use rewards Citi promised me for using its card. I receive the following message when I attempt to use the awards after logging into my account : You must be the XXXX Account member generally the Citi primary cardmember or primary signer on the enrolled Citibank checking account to access the associated XXXX XXXX Account from this website. XXXX Account membership and Points redemption are subject to applicable Terms & Conditions. I chatted with Citi customer service after being on hold for XXXX minutes. They told me they couldn't help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Citi Double Rewards card. I used it at a XXXX XXXX XXXX. I had XXXX rewards points removed from my rewards account automatically without authorizing or accepting the " offer. '' When I called the Citi XXXX rewards program, I was told it is an opt-out process for each transaction. They were willing to offer a XXXX time credit for the most recent deduction I noticed, but were unable/unwilling to " unlink '' the XXXX offer from my account. I was also told that the XXXX program can not be separated and I can not opt-out of this or similar offers. I was told to consider using another credit card at XXXX, XXXX, or XXXX gas stations, as well as XXXX as they all have similar practices. The issue is that the XXXX program automatically gives less value other programs. XXXX gives a cash value of XXXX points per dollar, as compared to XXXX points per XXXX dollar for other conversion options. I am complaining because the practice is deceptive as it requires specific action to prevent the action, and the conversion rate is not disclosed, making it impossible to understand that the conversion is actually removing value and essentially " ripping off '' users.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX I went to there XXXX XXXX and I do not have an account with this company. They have tried calling 15 times over the last 2 weeks to try to collect debt that on a card that I do not have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A