CITIBANK, N.A.

2018-05-18

Morral, OH

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: Citibank manages the sears credit card services. I have had a sears card for 35 years. I received a notice from citi threatening cancellation if i didn't use the card. Sears have closed stores, no catalog sales, and less than stellar home service. When i received the actual cancellation it was for reasons other than non use. The reasons used were extremely derogatory. The cancellation was negative to my credit. I have never had historical issues with sears. The account balance was XXXX. Citi was contacted. Someone from the executive office called with corporate boilerplate. The citi response is totally irresponsible and therefore unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-18

PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Received a notice from these crooks at XXXX XXXX XXXX. They said they "bought" a debt from Citibank {South Dakota} N A for $XXXX, Account number XXXX> First, I don't know what the XXXX they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact Citibank, call . XXXX XXXX XXXX. fot the XXXX folks, call XXXX XXXX XXXX XXXX.Looking for some help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-18

Itasca, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-18

Atlanta, GA

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-18

Fairfax, VA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-18

Brighton, UT

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Sacramento, CA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-17

Gurleyville, CT

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: In my previously closed complaint, CITI asked me to provide evidence that XXXX XXXX XXXX indeed promised me with the full refund of XXXX dollars. If found, CITI promised to refund me with the remaining money, which is XXXX dollars. I have just manged to find evidence of his promise. I have attached below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-17

Shulerville, SC

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Complaint: Hi, I was a XXXX 's cardholder sinceXX/XX/XXXX..I reached out to the bank concerning the disaster we had Hurricane Erma.I spoke to the bank on XX/XX/XXXX..the reps were giving me a hard time with the issue with me being a disaster victim..I reach out higher to the Corporate level with XXXX and I spoke to XXXX XXXX about the situation and he got sick.I spoke with XXXX XX/XX/XXXX..I was advised that the collection calls would stop being that the account was in the care of Corporate and I told her I didn't have my card it was lost ... XXXX told me that I would receive a new card since XX/XX/XXXX.I didn't receive a card..I also told her about a check that the bank sent me and I never received the credit balance refund check.I was emailed a affidavit that I signed and send back to XXXX..she stated I need to fax it to the number on the paperwork after she told me to sign it and sent it back to her to forward to the correct department.I was trying to get my account on track with having a new card sent to me.I was told by XXXX that I needed to pay {$54.00} onXX/XX/XXXX I gave her my routing and account number to post the payment to my account..this is the same account I use to make payments with no issues..XXXX advised me on XX/XX/XXXX that she was working with Citi about my account and this was since XX/XX/XXXX..I told her about charges I didnt authorized on the account and that I didn't have a XXXX 's card..on XX/XX/XXXX my account was closed..I was wondering why she told me about a payment five days before the closing of the account ... after she stopped the collections calls and fees..I started asking for her manager XXXX XXXX..I spoke to her a week ago and was advised that she would contact back early this week about having the XXXX 's account reopened with Citi..I called XXXX today and she was very rude and unprofessional with me ... XXXX stated to me rudely that I should've paid the account I told her I gave my banking info to XXXX to submit the payment and that with XXXX XXXX stopping the collections calls that she should've informed me at earlier time about a payment and about the account being closed onXX/XX/XXXX ... I was dealing with XXXX 's Corparate since XX/XX/XXXX and I didn't get no response from XXXX XXXX ... I hanged up and call her back again because I was expecting a call back from her since the phone got quiet on her end..I never received a call and I call back and no answer XXXX left her a voicemail..XXXX XXXX demeanor was totally different from our conversation last week Tuesday.I been a cardholder sinceXX/XX/XXXX and I expected that level of XXXX 's to be more professional..I was patient sinceXX/XX/XXXX..the issue should've been resolve with my account still being opened.I emailed XXXX on XX/XX/XXXX concerning me speaking with the collection agency XXXX XXXX concerning the situation and the manager advised me that the calling would stop and that they got the account XX/XX/XXXX and that he will forward it back to XXXX 's XXXX since its dealing with a hardship due to a disaster and they won't call me anymore.Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Simi Valley, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: I have an AAdvantage Platinum Select Card by Citi. I am carrying a Balance from 0 % interest Balance Transfer Offer and have been making payment that exceed the minimum required payment. My XX/XX/XXXX Statement showed a Membership Fee charged on the last day of the Billing Period plus a small interest fee charged the same day. No other purchases appeared on the Statement. I called Citi to request that they remove interest fee as I was not given the Grace Period to pay off the Membership Fee. The representative agreed and credited the interest charge. My XX/XX/XXXX Statement showed no purchases made, an on-time payment that exceeded the sum of the minimum payment and the Membership Fee, but also showed a new " Standard Interest Charge ''. I again called Citi to request that they remove interest fee as I clearly met the Grace Period criteria to avoid paying interest [ 0 ]. The representative agreed and credited the interest charge. My XX/XX/XXXX Statement showed no purchases made, an on-time payment that exceeded the sum of the minimum payment and all previous fees & interest, but also showed a new " Minimum Interest Charge ''. I again called Citi to request that they remove interest fee as I clearly met the Grace Period criteria to avoid paying interest [ 0 ]. The representative agreed and credited the interest charge. My XX/XX/XXXX Statement showed several purchases made, an on-time payment that exceeded the sum of the minimum payment and all previous fees & interest, but also showed a new " Standard Interest Charge ''. I again called Citi to request that they remove interest fee as I clearly met the Grace Period criteria to avoid paying interest [ 0 ]. This time the representative decided to file a Customer Compliant with his Supervisor so that the Supervisor could resolve the matter. At this point, I believe Citi is intentionally overcharging customers interest. I can provide my statements to prove my case. I also believe Citi 's Consumer Rights Procedure [ 1 ] place undue burden and risk upon the Customer for identifying, documenting, tracking to resolution their Customer Complaint. [ 0 ] How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing period. We will not charge you any interest on purchases if you pay your New Balance by the due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. We will begin charging interest on cash advances and balance transfers on the transaction date. [ 1 ] Your Rights What To Do If You Find A Mistake On Your Statement. If you think there is an error on your statement, visit us online or write to the Customer Service address shown on the front. In your letter, give us the following information : Account information : Your name and account number. Dollar amount : The dollar amount of the suspected error. Description of problem : If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Fremont, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Overcharged for something you did purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

SD

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: I have a Home Depot Consumer Credit card. I had a promotional balance with terms of 12 months no interest if paid in 12 months. The original transaction amount was {$450.00}. I did not payoff the purchase in the 12 months and the promotion expired. I received my statement the next month and it shows the interest charge calculation. Home Depot calculated the interest for this purchase on a {$500.00} instead of {$450.00}. I called Home Depot customer service on XX/XX/18 for explanation as to why my interest was not calculated daily off of the actual transaction amount and how was this increased difference calculated for my original transaction amount. After 30 minutes and holding while the contact spoke to her supervisor I was told that's just how we do it because of averages. I could tell the contact was unable to explain their calculations. I have no issues in understanding my deferred interest was accruing within that 12 month period. I do have an issue that the interest was accruing off a dollar amount higher than what I paid at the store.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-17

PA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I have been a XXXX member for a decade and XXXX XXXX was the credit company before Citi Bank took over in early XX/XX/XXXX. I took my car, a XXXX XXXX XXXX, which I used for running my business to XXXX XXXX XXXX for a minor repair in XX/XX/XXXX. A couple days later they informed me about damaged engine parts which needed to be replaced. They did the repair and I paid them {$1100.00} cash. It took them 3 weeks to do the repairs. As soon as the car was out, it started to over heat. They towed it back and now a new engine was needed. They kept the car for another 6 weeks, I got the car back on XXXX XXXX. They would not release the car unless I paid them {$2300.00} for the engine which I did with my credit card. Basically they were stuffing me as much as they could. Days later the car was towed back to the shop again. This time they claimed the transmission was bad. They charged the card a total of {$1600.00} ( {$400.00} down payment on XXXX and {$1200.00} on XXXX XXXX ). Still they would not release the car unless I paid them {$80.00} cash. why? for transmission oil. Since when a transmission is put in your car without oil? The day I got the car back ( XX/XX/XXXX XXXX both CHECK ENGINE LIGHT & MAINTENANCE LIGHT were on. They claimed the computer would re set itself and shut the lights off automatically. Soon I broke down again and this time I took it to a different shop because XXXX XXXX XXXX would not honor the warranties. My car was out of service for over 4 months. I spent another {$5700.00} to replace the defective transmission and many parts of the engine they put in. I believe they charged me for repairs they never did or used junk yard parts from dead accident cars. I disputed the three charges with Citi Bank : XXXX XXXX XXXX Citi bank somehow sided with the merchant. How and why Citi Bank did this is not the focus of the complaint. Citi Bank has put me in a bigger hole. On XX/XX/XXXX XXXX ( 18 months later ) I was served a law suit by XXXX XXXX XXXX for over {$50000.00} in XXXX XXXX. The law suit is based on communications between Citi Bank and XXXX XXXX XXXX. Citi Bank Sided with XXXX XXXX XXXX and paid it in full. I was furious at Citi Bank but I did not follow up because I was having health problems. I was suffering from XX/XX/XXXX. In last 18 months I have paid thousands of dollars to Citi Bank in interests. They love it. Now the cost of fighting the law suit is thousands of dollars as well. Thanks to Citi Bank. When I was served the papers on XX/XX/XXXX I called Citi Bank and asked for a copy of my file in regards to these three disputes. I told their dispute department I had 20 days to answer the law suit and dismiss it before it is assigned to a judge and going to court. Every day I called Citi Bank and begged them to email me the documents. This is XXXX. Citi Bank could have had emailed me my file in matter of minutes. 20 days passed and the law suit moved into the court. Their refusal to send me the file will cost me thousands of dollars more in legal fees. Citi Bank never called me back in regard to my request. But it started to call every day after I missed my payment for the first time in years. You see how Citi Bank functions. Yesterday I received a mail from Citi Bank stating my account needs immediate attention before collection activities begin. My health particularly my XX/XX/XXXX has taken a hit in last two years because of what happened. It is amoral obligation for Citi Bank to act professionally. I want Citi Bank TO : 1. Stop collection activities and reporting to credit bureau until this law suit is completed. 2. Release a copy of all communications between me and Citi Bank ( letters, faxes, emails, telephone conversations and notes ). 3. Release a copy of all communications between Citi Bank and XXXX XXXX XXXX ( letters, faxes, emails, telephone conversations, and notes ). 4. Release a copy of all communications between Citi Bank and XXXX XXXX and XXXX ( letters, faxes, emails, telephone conversations, and notes ) in regard to these disputes. 5. Release Citi Bank dispute investigator 's report and notes in regard to these disputes. I want Citi Bank 's response only in writing. I don't want any one to call me. I have to prepare to fight this in the court. If there is no documents in regard to any of the above 5 requests I want Citi Bank to write it in a letter explaining there is no communications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Chicago, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Tarzana, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: citibank contacted me several times about needing information for my accounts. i called them back at least 5 times to ask what they needed. they kept telling me they would check into it and never did. they ended up freezing my accounts for over a week and checks were bouncing. they finally fixed it. to keep my accounts open, they want me to give them so much information. many of the questions seem intrusive. i have had these accounts for 25 years there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-17

Gulf Breeze, FL

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Alexandria, VA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: I financed a purchase through Best Buy in XX/XX/XXXX using my Citi Best Buy Card that I've had since XX/XX/XXXX. I have not used the card in years. Last month, while reviewing bank account charges on my account personal account, I noticed 4 'auto debited ' checks that were made to Best Buy. When I called the number listed next to the charges, Citi indicated that the were debt protection charges. I told them that I did not agree to debt protection, and requested that they cancel the subscription to the service and refund my money. Citi responded that the refund would take a few weeks to process. I then went and noticed the same changes in XX/XX/XXXX. I waited a month to see if the refund was processed. I logged in and noticed that Citi emailed a pdf letter stating that the charges were from a service I purchased in XX/XX/XXXX. I immediately call Citi and stated that I never purchased any debt protection, nor did I agree to it. I also stated that I haven't used the card in years and requested to speak to a manager. Citi indicated that this was an issue with the 3rd party and refused to discuss it with me. I noticed online that this has happened to many people. I never agree to any debt protection service, nor did I purchase debt protection. This is completely fraudulent on Citi 's part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Coatesville, PA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Add-on products and services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Soquel, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-17

Birmingham, AL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Centreville, VA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Overcharged for something you did purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Cedar City, UT

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-17

Aiken, SC

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response