CITIBANK, N.A.
Consumer Complaints
There are over 53324 complaints on file for CITIBANK, N.A.. Dated between 2019-12-12 and 2011-12-01.
Complaints Page 457
2018-04-25
Plano, TX
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 monetary relief
2018-04-25
Kent, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Manhattan, NY
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
2018-04-25
Chicago, IL
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
2018-04-25
Aurora, CO
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
2018-04-25
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Mastic Beach, NY
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
2018-04-25
Epworth Heights, OH
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Louisa, VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I opened a credit card account at Citibank a few months ago. In the past two months I have never received a statement, by mail or email, or a notification that my statement is ready and to logon to see my account. I was just charged interest on my balance, which I only discovered due to downloading transactions in XXXX.
I feel that charging interest and late fees without any notice is unfair and deceptive practice.
I have checked my inbox, spam file and trash file in my email to verify that no notice was received.
I spoke with Customer Service who refused to rectify the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Armonk, NY
Managing an account
Checking or savings account: Other banking product or service
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
2018-04-25
South Florida, FL
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: Due to extended illness and hospitalization duringXX/XX/XXXX, I missed the payment. In XX/XX/XXXX, I contacted Citi to get back on track. I paid {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I was informed that my next payment was {$28.00}.
I thought all was well until I logged on to Citi on XX/XX/XXXX to pay the XX/XX/XXXX payment, and found out the account was still behind and I owed more than {$28.00}. I was upset and called up. When I realized what was going on, I asked for the tapes that recorded those prior phone calls to be pulled because I said I was given misinformation. I was told someone would call me within 48 hours. I did not receive a call. I called Citi again and was told that they tried to call me twice but I did not answer. I did not have any calls on my Caller ID from either Sears or Citi.
On XX/XX/XXXX, my payment is due and so far I am still in limbo with this account, so I called Citi. It was over an hour of my time going from one department to another with more excuses. Finally, the collection 's department said I did get misinformation, however, they can not change the account. I was transferred to customer service so they could " honor the adjustment '' and they did : nothing.
I was told to pay {$28.00} today and some vague talk about someone from Citi will call to straighten out the account. I was not told when. So I am still behind with all then extra late fees being added to my account.
This is like a hole that you fall in that you can never recover. I missed just one {$37.00} payment and it is this mess. Talking to Citi is even more frustrating ; nothing gets fixed. It seems intentional and this practice has to be stopped. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Winnemucca, NV
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-04-25
Kansas City, MO
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
2018-04-25
Cheverly, MD
Closing your account
Credit card or prepaid card: Store credit card
Company closed your account
Complaint: The company closed my account without an explanation as to why but a letter to me stating that they had the right to close my account and they did. I made a complaint to CFPB and they responded that my account had been reinstated as of XX/XX/2018. As of now XX/XX/2018, the account is still closed. I have tried to reach the contact on the letter that was sent claiming the account had been reinstated a few times to no avail. Several messages have been left but no response and the account still closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Countryside, KS
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Freeport, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-25
Jupiter, FL
Closing your account
Credit card or prepaid card: Store credit card
Company closed your account
Complaint: I opened a XXXX XXXX Credit Card in the Fall of XXXX. In XXXX I had the new tires installed on my XXXX vehicle. I also purchased the Alignment and Balancing program.
This would allow me to visit the store and not pay for any additional alignments or balancing for a certain period of time, so there would be no reason to use the credit card unless I needed a muffler, brakes, oil change or another tire. My XXXX vehicle had XXXX miles on it and was under the XXXX Extended Warranty.
Being a woman I've always purchased the extended warranties with my vehicles.
It just allows me to breath easier paying a {$50.00} copay vs {$1500.00} unexpected charge.
In XXXX I set up automatic payments for the above mentioned purchase. The final payment was made in XXXX of XXXX. The reason for taking the credit card was to receive the 6 months finance free program and an additional monetary discounts.
In XXXX of XXXX I traded the XXXX in for a late model XXXX. The only thing I could see needing in about 1 1/2 years would be tires, because the XXXX too is covered by the manufacturers extended warranty. I began shopping for tires in XX/XX/XXXX. Every time I visited the XXXX XXXX website I couldn't find a deal or tire in my price range. Finally in XXXX I called and spoke to a female at XXXX XXXX XXXX to make her aware that the XXXX site stated that a tire they carried was designed for my vehicle and that the website wasn't programmed to allow it to come up for purchase. Although the tire is stocked by XXXX XXXX. I was in dire need of getting tires. I contacted XXXX at XXXX XXXX at the headquarters on XX/XX/XXXX and he arranged to have the tires at the Tire Kingdom, XXXX XXXX XXXX, XXXX XXXX, Fl XXXX for Monday, XX/XX/XXXX.
The deal I was to get was a total of {$700.00} for 4 tires, installation, removal of old tires, and tax. The rebates I was offered was for {$50.00} off a purchase over {$200.00} and 6 months free financing for using my XXXX XXXX Charge Card. I would have never made this purchase without the use of my credit card and the 2 offers.
I brought the car in the tires were installed. I went up to the desk to conclude the sale and put my card in twice and it came up declined. We contacted Citibank and got the girl in the XXXX. She really didn't know much, but she stated the card was closed.
I asked when? She said XXXX of XXXX. I asked why? For in activity. I asked why wasn't I notified? She said they mailed me. I never received a piece of mail from anyone regarding this. If it was so important, why didn't they just send me a post card?
I would have come in and put washer blades on to prevent this from happening.
We asked for her to escalate this to a USA Citibank Manager. The man we got just reiterated the same information. We asked for the CEO, but got a woman named XXXX in XXXX, ID. I asked for her manager, but in the two days trying to contact her XXXX will not escalated anything past her, although she can not do anything for you.
The saddest thing is that XXXX XXXX Executives have no idea that their customers are being treated this poorly by the Citibank. I AM ONE WHO BELIEVES IN NOT REWARDING BAD BEHAVIOR! They kept telling me to fill out the paperwork and reapply again. I told them I wanted this account to be reopened. I had a XXXX balance, and had did nothing wrong to be treated in this manner. At this time I can not reapply for credit, because I need to apply for a HUE mortgage. I spoke to XXXX at XXXX XXXX Customer Resolution Center. They tried to get in touch with a XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and CEO XXXX XXXX XXXX, but they all seem to be out traveling. XXXX XXXX XXXX the XXXX XXXX Store Manager reached out to his divisional and VP.
I needed to leave to get to XXXX XXXX XXXX XXXX recognion dinner and didn't want to make my boyfriend who is a XXXX late. I gave XXXX my keys and asked him to lock the vehicle in the bay. We also retrieved all the old tires, so if needed they could be put back on the vehicle.
On Tuesday, XX/XX/XXXX I reached out to the executive offices Citibank. This is another inept group of personnel. I was contacted to an XXXX, who I gave my name, credit card number, and last 4 digits of my SS #. We were disconnected. She didn't bother to call me back, although she looked up my info and had XXXX for XXXX, ID call me back, the very person I was calling to file a complaint against. XXXX opened my file, why didn't she give me the courtesy of the callback? Thirty minutes later I got through to a XXXX. This gal just kept reiterating the same thing. The CEO and VP 's of Citibank have no clue how poor this line of personnel in executive care is trained. No empathy! They don't have a clue how I have been inconvenienced and their customer XXXX XXXX being represented. Especially the potential loss of the XXXX XXXX 's good customer.
When I returned home later that evening I checked for any correspondence from Citibank on my computer. I found the letter in the SPAM file. I tried to open it, but because the account is closed I have no access to any of the documents.
These Citibank Personnel are brain washed. They think all their procedures are set in stone and without the ability of improvement to be rectified for a better outcome. They are not people that can think outside the box!
By Citibank allowing their employees to behave in this manner, they are creating more work and hampering the customers they are set out to serve!
I just paid my {$2000.00} Long Term Care Premium and I don't have the money to pay for the tires, without the use of my XXXX XXXX Credit Card.
Today is Wednesday, XX/XX/XXXX and my vehicle is still at XXXX XXXX.
XXXX the store manager wasn't in today, but tomorrow I have arranged an XXXX to take me to my interview and have a ride to the stadium for the XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-24
Tarzana, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Complaint: CBNA- They did a hard pull on XX/XX/2018. XXXX XXXX XXXX says 1. CBNA-CITICARDS CBNA Ibs Cdv Disputes XXXX XXXX, SD Affected by natural or declared disaster I have not idea what this is? as we did not open a new account with CITI or applied to a new card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-24
Cooper City, FL
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-24
Hamburg, NY
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-24
Cheverly, MD
False statements or representation
Debt collection: Credit card debt
Indicated you were committing crime by not paying debt
Complaint: XX/XX/XXXX Received Warning letter from XXXX XXXX XXXX ( XXXX ) XXXX I don't remember if this is where we got the name XXXX XXXX, but he gave me his direct phone number. XXXX. When I called it later, his answering machine picks up and says he's XXXX XXXX of XXXXXXXX XXXX. In early XX/XX/XXXX, I called XXXX XXXX ( XXXX ) and we spoke at length about what he could for us. He said if we followed his Credit Card Modification Program we would be debt free in 3-4 years. He said his team would be able renegotiate with our creditors and obtain a reduction of our credit card debt of at least thirty five percent. XXXX XXXX said that our Program will require that we make monthly payments of {$780.00} for forty-eight months into an FDIC insured account and that no one can get into the account without our approval. He said there would be zero interest due on the amount negotiated. I would make the payment in two bi-monthly payments of {$390.00} on the XXXX and XXXX of each month. The payment would be made automatically to XXXX XXXX XXXX through a automatic payment service from our bank. He then said " Do not make any more payments to the creditors in our Program. He said there was a {$900.00} retainer fee due over the next eight months. Additionally there is a fifteen percent service cost and an {$89.00} legal administration fee that is built into the payment. There was also a {$10.00} monthly fee to maintain an account at XXXX XXXXXXXX XXXX. He also said that I may receive phone calls from creditors during the first couple of months. I will also be contacted by XXXX XXXX from the XXXX XXXX about secured and unsecured credit and by XXXX XXXX XXXX. He said that representation will begin as soon as the papers are signed. On XX/XX/XXXX, we signed the papers in front of a notary public at our home that XXXX provided. We made our first payment on XX/XX/XXXX via the bank draft program set up at our bank. We made all of the payments when due. On XX/XX/XXXX XXXX from XXXX called and advised us that XXXX XXXX, one of our creditors, had accepted a negotiated settlement offer. They would accept {$1700.00} instead of the {$3400.00}. We thought great! But on XX/XX/XXXX, she called back to say we had to make additional payments of {$350.00} for the months of XX/XX/XXXX and XX/XX/XXXX. I told her that I couldn't and I could barely afford to pay the {$780.00} that I was paying now. On XXXX XXXX XXXX from XXXX called and said that a third party law firm had filed a law suit against us. On XX/XX/XXXX, XXXX from XXXX called and said XXXX XXXX had settled for {$1700.00} and that they had negotiated a settlement with XXXX XXXX XXXX for {$19000.00} and we will have to pay an additional $ 400.- {$500.00} per month. I told her that there's no way I could pay that like I told them before. We could barely pay the {$780.00} for our Program. We spoke to our parents in early XX/XX/XXXX who told us that it sounded a lot like a scam operation and we shouldn't pay them any more money. On XX/XX/XXXX, I called my bank and stopped the automatic payments. On XX/XX/XXXX and XX/XX/XXXX we received an email from XXXX advising me that my draft checks for XXXX and XXXX had been returned by the bank NSF. Non Sufficient Funds On XX/XX/XXXX, we sent an email request to XXXX XXXX XXXX to close our account and refund the the money in our account. After signing and returning some forms, on XX/XX/XXXX we received a check for {$1000.00}. On XX/XX/XXXX, we called XXXX to cancel my contract and get a refund. XXXX asked if it would help if she adjusted my monthly draft amount. I asked adjust how much of an adjustment she could do. She said she would check into it and call me back in 24-48 hours. On XX/XX/XXXX, I had received no call back, only an email acknowledging my cancelation emaiL, so I called and left a message again. Receiving no response, on XX/XX/XXXX, I called and left message again. XXXX called back and said that she had refunded {$1000.00}. When I asked about a statement of account she gave me this web address and account number : XXXX XXXX, telephone number : XXXX, and XXXX. She never discussed an adjustment like she said. I tried to login quite a few times, but website doesnt work. I called the next day and left message. I sent email the next day, XX/XX/XXXX and received response that they will send the statement via USPS. On XX/XX/XXXX, I was so frustrated that I looked around the Internet and found a company with the same name and emailed them my dilemma. One of the attorneys for that company sent emails confirming that they are the same, but a separate company and he will get a message to them. I have included the emails with this complaint. I finally received a statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-24
Bensch Ranch, AZ
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: I have file full of documentation, including by chat lines and phone calls, but I can not access the information now, without closing this window, but I can give you the general problem.
It concerns the inability to make a payment to Best Buy on an internet website that is maintained by CITIBank. The website has a problem, and they are now going to be charging me a late charge on my account even though I have spent perhaps 20 hours on the phone with both Best Buy and Citibank. Today, XX/XX/2018, I got woke up by a recorded message from Best Buy. I don't know why I even bothered trying to call them first, but I did, and was told to call back when they are open. But I already knew from the Corporate Headquarters of Best Buy in XXXX, Minnesota, that the website is provided by, and maintained by, Citibank, not BestBuy. So I started the parade of people in XXXX, First XXXX in XXXX XXXX, XXXX, then back to the US where I got XXXX ( XXXX ), who said he could transfer me to technical support, which sent me back to XXXX and XXXX, who sent me back to US and XXXX, who first said she was in customer support and then changed it to technical support. By that time, I have been sitting on the phone in my underwear for about 40 minutes, so I asked her if the call was being recorded, and she said it is, so I gave a very detailed explanation of exactly what the problem is that anyone actually in technical support and the IT department would clearly understand..
If I had not just changed from XXXX to XXXX XXXX, and wanted to drive 84 miles round trip to the nearest XXXX XXXX, to make a deposit that would clear the Best Buy payment, I suppose I could do that, however, I believe it is the responsibility of Citibank to fix the program on the Best Buy Credit Card payment site, so that customers can enter a new payment source, and to also fix the same drop-down window problem in the secure message portion of the website. It is not my responsibility to make a long drive at my expense to let them force me to use a bank account of THEIR choice.
When you go to the page to make a payment, but you want to enter a new bank account, the page will let you enter routing and account numbers, but then there is a drop-down menu where you have to mark the type of account it is, as an example checking or Money Market, but you can not select either because of the technical problem. The CHOICES CAN NOT BE SELECTED. Before my next payment was due, about XX/XX/2018, I then tried to send Best Buy a secure message, but that window also has a drop-down window with a lot of choices about why you are sending the message, but again, YOU CAN NOT CHOOSE ONE OF THEM, nor can you send a message.
And that was where the chat came in. I have three pages of trying to explain a technical programming problem to someone who is minimum wage in XXXX. When you ask for Technical support you get customer support. I spent a whole day, and finally called the corporate offices of Best Buy in Michigan where they explained that it is a CitiBank website, not a Best Buy website, and it is maintained by CitiBank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-04-24
TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-24
Bronx, NY
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: Attempted to initiate an online billing dispute with Citibank Sears Mastercard for a purchase datedXX/XX/XXXX, {$48.00}, merchant XXXX XXXX. Instead, of starting the dispute process, the bank initiated a letter dated XX/XX/XXXX, claiming that they can't process the dispute claiming " services were provided ''. In fact, this was not processed correctly, as I have disputed food purchases in the past with other major banks and the billing dispute was processed. Rather, the individual who processed this dispute was not versed/trained in processing billing disputes adhering to Federal Billing Dispute Guidelines.
Reason for Dispute : Received food delivery of stale/improperly prepared food that could not be consumed, attempted to immediately, rectify matter with merchant by calling and speaking to XXXX, who in turn put me on hold and than disconnected me.
***This is no way to treat a customer since XX/XX/XXXX who has had slim to none in the way of billing disputes***
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-04-24
La Vernia, TX
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation